vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-01 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act Comenity Capital BankXXXX XXXX , 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report 218 15 USC 1666B : A creditor may not treat a payment on a credit card account under an Q 8 open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: NY

Complaint narrative:
Kikoff Lending LLC is reporting an inaccurate tradeline on all 3 of my credit reports. Kikoffs XXXX reports are horrible! They are doing the same thing to many other people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Advance America, Cash Advance Centers, Inc.
State: MI

Complaint narrative:
My identity was stolen and applications was done in my name with my information, I went there to complain and asked them to make necessary corrections and make my account in good standing so I can take out a loan, but they wont help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I had a private student loan payment on XXXX. My loan was originally on deferment. Once the deferment was over I made a payment XX/XX/XXXX however after that payment my loan was then again put on deferment. In XXXX once I tried to make my payment their website/portal informed me I did not owe a payment at that time. After that I checked back in monthly but each time the payment due date was XX/XX/XXXX and it did not give me the option to make a payment. In XX/XX/XXXX They sent me a Passed Due notice informing me a payment was in fact due but this already affected my credit score negatively. Even then when I logged onto the portal it stated I did not in fact have to make a payment until XX/XX/XXXX but I still made a payment for all the months I " missed ''. After that again checked their site was told no payment was due until XX/XX/XXXX and still did not inform me to make any payments. Then again in XXXX i received a Past Due Notice and my credit score took a huge hit. I contacted them and the customer service representative realized it was their fault and apologized that was it their mistake and that the portal was showing incorrect information but they did nothing to resolve this. My credit score dropped XXXX points due to their negligence and my numerous emails have gone unanswered. The only reply I got was that their loan is calculated on a quarterly basis. That does not rectify the issue they made or ease the financial hardship I faced due to their incorrect service. Paying loans is already a stressful process without the lender making you hop through hoops just to make a payment. I have never missed a payment with any of my other credit cards or loans because I check them all on a monthly basis. Due to their systems error I have " missed '' multiple payments and even now their online portal is incorrect. This is a huge injustice and they are taking advantage of student loan repayment services. The company is : University Accounting Service LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: MD

Complaint narrative:
Good evening : Since XXXX of XXXX I have requested Mohela to update my PSLF status, which I believed would have allowed my accounts to have been discharged under several Board Of Education forgiveness policies from the Biden Administration. When I submitted my PSLF certification on XX/XX/XXXX and received a letter on XX/XX/XXXX that they were my servicer, I addressed XXXX & XXXX had not been qualified by Mohela for PSLF and I continued to request the correction for 2 years. In XX/XX/XXXX ; I was told they couldn't qualify the employer although it was the same employer since XXXX. Remind you, payments resume the following month in XXXX and if Mohela didnt make the PSLF corrections-the current balance will be incorrect and my payments will be high. 

In XX/XX/XXXX, My spouse and I submitted our IDR ( SAVE ) application. My spouse gave his income and I have no income as of XX/XX/XXXX, due to unemployment from multiple surgeries caused by COVID 19. After submitting our application we both get placed on Administrative Forbearance in XX/XX/XXXX when my payment of {$900.00} is due XX/XX/XXXX and his {$1100.00} on XX/XX/XXXX. On XXXX I receive a notice, " unable to grant our request ... ... ... .based on the reduction in your family size and/or an increase in income your payments will increase. This was not true. We reported the opposite of an increase in family size and decrease in income. They made an error. We called Mohela for the 4th time and talked to an advance representative and we shared everything again about my XXXX, our PSLF status not updated and my IDR being corrected. 

In conclusion, as of XX/XX/XXXX my account remains in forbearance, my PSLF for XXXX to XXXX finally got qualified but my ACCOUNT BALANCE is not recalculated from qualifying my employment for the PSLF and my IDR is still in processing mode. On the other hand, this doesn't make sense when my spouse IDR has been APPROVED to a lower amount of {$750.00} -starting XXXX XXXX they haven't recalculated his balance based on the 14 PSLF that have been certify by Student Aid on XX/XX/XXXX, but they choose to keep those 14 payments in processing mode. 

***Mohela is corrupt and need to be replaced with another agency. Mohela is putting people in Administrative Forbearance, delaying approvals, not qualifying employers that have been certified by Student Aid and not recalculating account balances that will render lower payments for their borrowers. ****

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: VA

Complaint narrative:
I opened a Parent Plus Loan with XXXX XXXX in the amount of {$32000.00}. On XX/XX/2023, I paid the loan off in full. My account at XXXX XXXX now shows Paid in Full balance {$0.00}, but as of XX/XX/2023, my credit reports ( Equifax and XXXX ) do not show the updated balance nor do they show closed. 

I submitted a dispute to XXXX letting them know the account balance should show {$0.00}, but they responded with this statement. " We investigated this item, verified it belongs to you, and updated : Date Updated; Last Payment Made ; Terms ; Historical Trended Data. Here is how this item appears on your credit report following our investigation. '' I did not dispute the account ; I disputed the balance showing for this trade line and that the account still shows open and should show closed. They did not address my specific request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received my unemployment threw Bank of Americas prepaid card which I have so many problems issues and complaints with this card and the customer service its ridiculous. Worse part is they told me that the bank accounts I tried to transfer my money To are not compatible with there transfer service which is ridiculous. Beside the massive fraud that was charged onto my card which they still have not reimbursed me for all of it although they did reimburse me for some of which they refuse to deal with me the first time I reported the fraud instead they said they closed the dispute never investigated and made me verify my account only to have to reopen the dispute. In which case they missed a large majority of the fraudulent charges and i am now. Trying to finish filing the disputes on such but of course now they are forcing me to go verify my identity at a local Bank of America. Although they lied and told me that the forms of identification I could use were incorrect and not sufficient for them to verify my identity when I went to the bank to do so. Besides that they constantly cut off access to my account due to fraud protection leaving me stranded with no access to my money on multiple occasions. On more then one instance where I was even forced to wait two days stranded without shelter food or any way to access my money until the weekend was over and the department was open. Multiple times I was cut off from access to my money when I needed it forcing me to barrow from others sometimes paying up to double what I narrowed back for very small amounts of time. That along with the extra fees and the inability to use the card on most applications to transfer any money out of the app or to another financial institution that was acceptable by there terms although that was never made clear what banks were acceptable And because of another complaint and issue I am trying to resolve with boa and them closing of my account with them over ten years ago. They refused to reconsider there choice of accepting me as a client which would of made the whole situation go away but instead Bank of America and there horrible customer service reps who will throw you away hang up or make the situation even worse for you calling them I am more then just unsatisfied. And I want to finish filling these disputes and to get the rest of my money back

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 2023-11-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: IA

Complaint narrative:
I have spent several hours trying to reach Nelnet. I am currently enrolled in college at least half time. They should have me in in school deferment but they are saying that my payment is past due. I don't know what else I can do to correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Due to identity fraud, {$1000.00} was taking in my name, I paid this off and the account was closed but they wont take this off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
XXXX  - sent certified dispute letters and request of contract no response to certified letters. {$2500.00} XXXX, XXXX National credit systems- same issue as above, everytime I dispute it comes back as accurate I never had a account with either company. {$810.00} all three bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
there were checks from my account for services never rendered by a contractor. i did write the check and tried to stop the payments by asking the bank for assistance. the bank has not helped me at this point and I need assistance. Check number XXXX, XXXX, XXXX, XXXX reference number XXXX 
I also have a complaint with the attorney general on this company and that refernce number is XXXX XXXX XXXX XXXXXXXX

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 2023-11-01 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: FL

Complaint narrative:
I am the living man, executor, beneficiary and It has come to my attention that although I have written several letters asking for validation of debt, audit trails I am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy.

You dont have my permissible purpose to identity theft.

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me.

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 2023-11-01 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: FL

Complaint narrative:
I am the living man, executor, beneficiary and It has come to my attention that although I have written several letters asking for validation of debt, audit trails I am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy.

You dont have my permissible purpose to identity theft.

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
I heard about the Cfpb through an XXXX XXXX and used the tools they gave me the same day. 
I opened a non-profit XXXX account ( Be the XXXX ) with my bank about seven years ago. I visited the bank on Friday XXXXXXXX XXXX XXXX to obtain statements and I discovered at that time that I had been charged ananalysis fees every month since the opening of the account - $ XXXX {$30.00} for each occurrence. I was only made aware of this error when I went to the bank to aquire statements for our upcoming event. Regrettably, I had never received a statement on this account. I spoke with both branch managers and was advised that while the error in charging this fee was the fault of ( my Bank ), I would only be able to receive 2 of the fees back into my account as a refund. This ultimately, did not seem right and I felt as though my ministry had been robbed. 
The 2nd branch manager I spoke with gave me options and was truly sincere in her trying to make this right. Unfortunately I had to visit the bank again Tuesday XXXXXXXX XXXX XXXX I wanted to see if Regions will make this right before I took any additional steps to rectify this issue. I started this account to store funds for our non-profit organization to go into schools and cast vision with our children about their futures and also give back to our community. 
I went to my bank and spoke with a branch manager and he only said I should have been looking at my statements. The fees totalled over {$2000.00} worth of fees since I opened the account. 

My request was simple ; " I would like a full refund of all analysis fees that I was charged for this account. '' I have contacted the Cosumer Financial Protection Bureau and received help from them on this matter. I explained to them that I wanted to make sure that I do everything possible that I can do with my bank of over twenty years before I took any extra measures to make this right. 
After 10 days of people saying " no '' I had to standup for myself and I told the boss over that branch that I wasn't stopping until those ministry funds are returned. 
I would like to file a complaint on how poorly I was treated and how they spoke to me, placing fault on me because I didn't see their error and stop them. 
I'm proud to say they have approved the refund of all fees

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 2023-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On two different occasions I answered and add for adoption of a puppy from tow different people. Both of them asked me to send money by XXXX from my bank Capital One. The dates were as follows : XX/XX/ int he amounts of {$50.00}, {$50.00}, {$50.00}, {$100.00}, {$100.00}, {$50.00} and {$70.00}. Then on XX/XX/ in the amounts of {$250.00} and {$150.00}. I have asked for a refund of these amounts and got the answer baqck that the transactions went through according to policy and can not be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: WA

Complaint narrative:
The company claims I owe an apartment complex nearly {$3000.00} when I asked them for a breakdown or proof of why they are attempting to collect this debt, and for them to properly verify this is for me. They said they can't pull up any information. I called the phone number provided many times over the years as this has been haunting my credit score, and even the apartments listed on my credit report as IQ international data, seem to have no idea why I have this negative balance on my credit file as they do not see anything on their end. They just claim I owe them nearly XXXX dollars and theres nothing they can tell me other than that. 
I do not agree to pay this for I do not feel I owe anyone anything without a reason. 
Please help me clear this off my XXXX reports..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I acquired an American express gift card for {$50.00} and I can not use it anywhere online. I do not have the physical card and its a 15 digit number instead of 16 like normal gift cards. Ive tried to purchase an XXXX gift card since I can not split up payments there and it would not go through. So I tried to just buy what I wanted that was less than the {$50.00} ( including taxes, and fees ) by about {$3.00} and it would not go through. I tried using it on XXXX with {$20.00} less than the limit, and it still would not go through.I called customer service twice and they were not helpful at all and just told me that where I was trying to use it wouldnt take it and I got no solutions from them. XXXX charged me XXXX and XXXX I believe XXXX or XXXX. I can not remember right now. I was told would be refunded back to the card in 7 to 10 business days. the reason I picked that card is so I could use it where I wanted and was not limited to a certain store but now I cant use it anywhere.

Company response to consumer: Closed with monetary relief