vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-30 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: AES/PHEAA
State: FL

Complaint narrative:
My information was sold and bought illegally because i am a victim of the XXXX data breach. I want these items deleted from my credit report effective immediately. I.am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FED LOAN SERVICING-XXXX FED LOAN SERVICINGXXXX CLAIM NUMBER WITH XXXX XXXX XXXX ENGAGEMENT NUMBER IS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: KS

Complaint narrative:
Apple card from Goldman Sachs. An Apple card was opened on XX/XX/2023 through fraud in my name, amounting to XXXX and I noticed it in my credit report. They have not responded yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ). It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
TransUnion and XXXX have both removed XXXX XXXX  accounts from my report of a balance of XXXX they both have removed the balance and remarks from company and its documented to place the accounts back on my reports with more remarks after being closed and removed to be reopened and placed back on my report with late payments which is directly in violation of consumer protection laws!

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 2023-12-30 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: MOHELA
State: PA

Complaint narrative:
My student loans are managed via Mohela. Several months prior, in XXXX of XXXX, I had applied for the XXXX XXXX plan which gave me a monthly payment of XXXX per month. While this plan application was pending, my student loans were placed in forbearance. However, I received a notification in XXXX that I had a pending payment of {$3600.00} on my account due XX/XX/XXXX, which appeared to be consistent with the standard repayment plan ( highest rate of repayment ). I spoke with a Mohela representative on Wednesday XX/XX/XXXX, and was transferred to a " plan XXXX '' who informed me I was in fact approved for the XXXX plan with a monthly payment of ~ {$1400.00} per month, however, the XXXX plan does not take effect until XX/XX/XXXX. She informed me that my current pending charge was an error that occurred because the XXXX plan did not take effect until XX/XX/XXXX. To rectify this, she stated that she would place my account into forbearance for the month of XXXX, with my next payment to be due in XXXX in the amount of ~ {$1400.00}, according to the XXXX plan. I assumed the issue had been resolved after this conversation. 

On Friday evening, XX/XX/XXXX, I received an email notification from Mohela noting that I would still have a an automatic withdrawal of the {$3600.00} from my account on XX/XX/XXXX. When I attempted to go onto the website and pause this payment manually ( the Mohela offices were closed given that it was the evening going into a holiday weekend ), I received a notification stating " your auto debit payment has already been sent for processing. You may come back to request a cancellation after your current due date has passed ''. Since the next several days ( XX/XX/XXXX, XXXX XX/XX/XXXX ) are a holiday weekend, I am unable to speak to anyone from Mohela until XX/XX/XXXX, after the charge has already been withdrawn. 

Now, I have been charged an amount almost XXXX the amount agreed upon by my IDR plan, which I had initially submitted over 6 months ago, despite directly discussing this issue ( and allegedly resolving it ) with a Mohela representative XXXX hours prior. In addition, by the time they sent me the email " reminder '' of this intended auto-debit, XXXX hrs prior to the scheduled withdrawal, it was already too late to stop or suspend the automatic withdrawal according to their website. Not only are they unable to effectively correct their own errors, but they make it impossible for the borrower to correct them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: KS

Complaint narrative:
Comenity Bank was the credit card for XXXX 's loyalty program ( XXXX XXXX ). XXXX sold to Bed Bath and Beyond and canceled their loyalty program but sent through an annual membership fee anyway. The fee went through in XXXX but the loyalty program cessation email said it was canceled in XXXX. I informed Comenity bank that I wanted to dispute the charge as it was for a program that no longer existed but they left it on my account and charged me late/interest fees. After receiving harassing emails, I decided to pay to get them to stop calling. I paid the account off in XXXX {$45.00} and requested an email confirming that the account was closed. They did not respond. A week after my final payment, they changed a {$2.00} minimum interest fee to my closed account ( XX/XX/13 ) and then charged a {$2.00} minimum interest fee and a {$2.00} late fee on that {$2.00} balance on XXXX, XX/XX/13 and then continued to charge late fees on their minimum interest charge for months with no notice to them that the account was no closed and that I was accumulating fees. In XXXX they started calling telling me I owed them {$30.00} in fees due to not paying the {$2.00} in XXXX. I checked my email history and I've had nothing from them. This is their business model, fees on empty closed accounts. I finally agreed to pay it off using my credit card over the phone because the time delay between paying it off an them posting the payment would allow them to keep the account open by posting another late fee or minimum interest charge. The representative on the phone said that even with my credit card, I should add {$2.00} to my payment to keep them from posting another fee to keep it open. She said, on the phone, that they intentionally time collection calls so there is no way to pay off the balance and have your payment post in time to avoid another {$2.00} fee to hold the account open. I paid the extra {$2.00} and finally got the account closed, I think. But they still have not sent anything that confirms the account is closed and continue to send emails encouraging me to shop at XXXX which no longer exists. I've now paid them over {$120.00} in late fees and minimum interest fees on an account that I closed in XXXX because they are threatening to report to credit agencies. I have no idea how to get them to stop but if you look on the XXXX  site, I am not an isolated case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-30 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: WI

Complaint narrative:
APPLIED FOR AN XXXX XXXX XXXX CREDIT CARD. XXXX WAS BASED ON FICO SCORE AND A TAX LIEN, INFORMATION SUPPLIED BY EXPERIAN.

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 2023-12-30 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: GA

Complaint narrative:
Got an {$50.00} American express gift card as a gift and was unable to use it on XXXXXXXX XXXX  XXXX or XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
I have a mortgage loan from Freedom Mortgage. I received an unexpected call from Freedom Mortgage XXXX XXXXXXXX XXXX XXXX. XXXX XXXX. He had advised that Freedom Mortgage was the proactively offering me a refinance offer due lower rates with FHA and that it wouldnt cost me anything, and with no closing costs. I told him this all sounds great but it sounds too good to be true. He said they were offering this so I wouldnt refinance anywhere else. That night I went through all of the paperwork and signed the okay. Two-three days later I receive a document requesting that I sign an agreement approve an increased loan amount. I did not sign as it was a redflag to me. After trying to get a hold of XXXX XXXX via email and my credit personal loan phone for a few days, he finally answers from my work number. I address my concern and he tells me that at the time of closing, the numbers will make sense again. The closing documents will reflect what he had told me in the original call. He tells me I dont have to sign this new document. I hang up and decide just to play it by ear. A few days pass again and I get a notification that its time for closing and I receive another document ( estimated closing cost ). Again nothing matches what he says. After several more emails and calls go unanswered, XXXX XXXX calls me back. His name is XXXX XXXX. XXXX acknowledges that he reviewed the calls that I had with XXXX and that he had misinformed me but it was just a simple oversight. I point out that XXXX had multiple opportunities to tell me he was misleading me ( point blank saying it sounded to good to be true/whats the catch?, follow up call asking why the document is now including closing costs ). XXXX informs me that my refinance will have closings costs and asks if I want to continue. I tell him no and that there is no way what XXXX did was a simple oversight. He had many opportunities to try and tell me he made a mistake. 

My concern is that I luckily caught it in time. How many other times has XXXX/Freedom Mortgage done this and gotten away with it? These are just predatory practices. Especially given that if you got a loan in the past year, your rates are real high and most lenders people want to improve it. If I hadnt caught it, I would have got a better rate but when rates really do lower, I would have a hard to refinancing again due to the closing costs at the expense of my equity. How many people have been scammed into this? Please look into this. I am so disgusted with Freedom Mortgage.

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 2023-12-30 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Under 15 usc 1689 exclusion person making the report of the consumer unknown information under federal law experience XXXX and XXXX exclusive transactions between consumer and person making the report noncompliance

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 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
APPLIED FOR AN AMERICAN EXPRESS BUSINMESS CREDIT CARD. DENAIL WAS BASED ON XXXX SCORE AND A TAX LIEN, INFORMATION SUPPLIED BY XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
Previous CFPB Complaint XXXX resolved XX/XX/XXXX through XXXX XXXX in XXXX. XXXX no longer in that position. 

Received letter from Shellpoint that two of our mortgage accounts XXXX & XXXX would have escrow amounts added beginning XX/XX/XXXX after Shellpoint approved to remove escrow and refund escrow balance in XX/XX/XXXX. Contacted XXXX to find out she doesn't work in XXXX. She provided generic dept email to submit inquiry- never received answer beyond mailed letter that Shellpoint is collecting info. 

Our other mortgage account XXXX with several properties did not have escrow added back. 

Reason for removing escrow on our accounts is Shellpoint didn't pay taxes or insurance bills previously. We've been through several iterations of threats for lender placed insurance after proof of insurance submitted to the website they requested. 

Can not get an individual 's name to follow through to resolution. Same issue as last time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX/23 I discovered my checking/savings accounts were violated. The total amount was {$6000.00}. Which includes my checking/ savings accounts. I notified Wells Fargo claims department who documented claims. The claims department advised me to close my accounts and get my phone checked for suspicious activity. XX/XX/XXXX23 I went to my local police department they advised me to go to my bank Wells Fargo to close accounts. Same day went to my bank spoke to XXXX XXXX. She reviewed claims said it would take 8-10 business days on XXXX/XXXX/23 I received a letter from the fraud department stating these XXXX transactions were authorized by me and no processing occurred. As such Wells Fargo closed my case. XX/XX/XXXX I met with the manager advising her that I never authorized the XXXX transactions. In fact I never used XXXX services. The branch manager indicated she would escalate my response to obtain a resolution. XX/XX/XXXX I received a phone call from XXXX in the fraud department the claims were denied and she could refer me to another department. She could not assist me further.I went back to the bank the same day. Spoke to XXXX XXXX I wanted the XXXX account removed. She told me it couldnt be removed and claims were closed. She was unable to help me further.

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 2023-12-30 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: Nelnet, Inc.
State: NJ

Complaint narrative:
I am still a full-time doctoral student finishing up my XXXX. It was my understanding that my subsidized loans ( all of my remaining federal loans ) would not accrue any interest while I was in school, and that repayments and interest would begin 6 months after I graduated. But I will likely graduate in XXXX, and I just had interest accrue and loans auto-payed this week. This never happened with my previous servicer, but Nelnet seems incompetent. I am sure they are buried with loan repayments beginning again, but their system itself seems poorly designed. They are the only company I have heard of in the age of dedicated apps who actually discontinued theirs, when their website is not exactly good. I have no idea why the federal government would contract with such a XXXX company in the first place. I have heard many other horror stories.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
I was sent money from a friend {$360.00} dollars I tried transferring the money into my bank on XX/XX/23 and it kept giving me an error message the same day I received a email from venmo telling me my account has been frozen that my identity needed to be verified. A photo id was sent and I was told that it was received. Yet I have not been able to access my funds at all. I have bills to pay and I am reaching due dates for all bills and can not pay them because the refuse to give me any information on why my account is still frozen after I have sent all documents needed to verify me! I emailed Venmo team and every time I email them I am emailed back by a different person who claims they can not help me that it is up to the XXXX department to unfreeze the account now they are ignoring my emails and I have not heard back from any team member at venmo about my funds!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-30 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: WA

Complaint narrative:
I had made a dispute on XX/XX/XXXX due to XXXX XXXX  saying my XXXX XXXX XXXXXXXX XXXX XXXX increased balance by {$150.00} when it didnt. It too XXXX point off my score. Then today I logged in and I saw that my credit card was deleted and I lost an additional XXXX points off my credit score. A score which I have worked very hard for.

I am very disappointed with the results and I am hoping that I get my full XXXX points back into my credit score since this is an issue/mistake made by XXXX XXXX from Transunion Report . I would also like my credit card to be added on to my account for XXXX XXXX without losing anymore points. 
Here is the file number for the dispute 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 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Account has been paid in full and has not been updated in system

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 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: GA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

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 2023-12-30 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: GA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

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 2023-12-30 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: WA

Complaint narrative:
I had made a dispute on XX/XX/XXXX due to XXXX XXXX saying my XXXX XXXX  XXXX credit card increased balance by {$150.00} when it didnt. It too XXXX point off my score. Then today I logged in and I saw that my credit card was deleted and I lost an additional XXXX points off my credit score. A score which I have worked very hard for. 
I am very disappointed with the results and I am hoping that I get my full XXXX points back into my credit score since this is an issue/mistake made by credit karma from Transunion Report XXXX I would also like my credit card to be added on to my account for XXXX XXXX without losing anymore points. 
Here is the file number for the dispute 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