vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-03 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: CA

Complaint narrative:
I submitted a request to change my federal student loan to the XXXX plan XX/XX/XXXX. Nelnet never responded to my request. Even after the loan application was changed to " accepted '' on XXXX on XX/XX/XXXX, my prior, much higher, monthly payment continued to show on the Nelnet website. 

I called Nelnet on XX/XX/XXXX and they said I should wait 14 days after the application was submitted through studentaid.gov before checking it's status. I said I had. They said wait another 3 days. Nothing changed on the Nelnet website. 

I called again on XX/XX/XXXX and they said they had sent an email requesting more information from me and couldn't process the loan application without my tax return, DESPITE me giving access to my tax returns through studentaid.gov. So I submitted my tax returns through the Nelnet website. The representative said wait another 14 days. He said that I should be receiving status update emails every 10 days. I've never received a single status email, despite receiving several other emails. 

I checked again today XX/XX/XXXX. Still nothing has changed on the Nelnet website. The automated system said that I should have received a response " XXXX business days '' after the information was submitted. I tried speaking to a representative but the phone was cut off because " Our office is closed '' despite it being within the automated system 's stated open hours for the customer service line. It's been XXXX weeks since my original request. I need Nelnet to change my loan repayment program before my repayments begin. I've done everything they've asked. They are unresponsive and unhelpful. I miss Great Lakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
My refinance company checked my credit and I was inundated with unsolicited loan offers. I have been receiving so many phone calls it's having a negative effect on my business and it's costing me money.

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 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
My refinance company checked my credit and I was inundated with unsolicited loan offers. I have been receiving so many phone calls it's having a negative effect on my business and it's costing me money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
XXXX XXXX " continues '' to collect a fraud debt and after much effort and communications as outlined in my previous CFPB complanit XXXX. XXXX not continues to insist XXXX of the XXXX formentioned fraud debts are due and has posted them on XXXX XXXX, XXXX, and XXXX. I spoke with thier collection agency who still insist on my lack of a police report to as reason to continue the collection for a fraud event taking place XX/XX/2018. XXXX XXXX still wants me to pay the Identity theft debt. The amounts in question are : XXXX XXXX XXXX, VA XXXX XX/XX/2018 XX/XX/2018 {$74.00} XXXX and XXXX XXXX XXXX, VA XXXX XX/XX/2018 XX/XX/2018 {$1400.00}. 

I have been harmed by XXXX in that I have applied for and been denied credit for an auto loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of 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 2023-10-03 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: NC

Complaint narrative:
I have attempted to reach out to Transunion to correct the issues on the consumer report that are incorrect and have not been validated with my original signature and they have yet to provide the proper documents to keep the information on the consumer report by law. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 6048 A, Section 2, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

I am formally requesting that the late payment information be removed from my report as it is incorrect for the following accounts Best Egg- was never late and payments were made on time and are reporting incorrect Navy Federal Credit Union credit Card was never late and has incorrect balances Capital One Credit card was never late and has the incorrect balances Capital One credit card Platinum was never late and has the incorrect balances

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 2023-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: TN

Complaint narrative:
Leasing company was fully paid off in XXXX and in XXXX they reported me to the credit Bureaus as delinquent

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 2023-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Dear CFPB, I am refiling this complaint I filed XX/XX/XXXX under number XXXX but was closed with the claim that it was the same complaint ( # XXXX ) filed in XX/XX/XXXX. The XX/XX/XXXX complaint was about the XXXX position - the new complaint ( see below ) is very different and is requesting the complete finances for the mortgage starting in XXXX and the associated mortgage paperwork for when Merrill Lynch assumed the loan and then when Bank of America re-assumed the mortgage on XX/XX/XXXX from Merrill Lynch. Please review and ask the Bank of America to provide the requested paperwork : I just received correspondence from the Bank of America regarding a mortgage ( Acct # XXXX ) for XXXX XXXX XXXX XXXX XXXX, Michigan which documented that XXXX XXXX ( Acct # XXXX ) refinanced the original XX/XX/XXXX Bank of America mortgage ( Acct # XXXX ) sometime during XXXX. Following, the Merrill Lynch mortgage was then transferred back to the Bank of America on XX/XX/XXXX ( documentation attached ). 
. 
According to the XXXX XXXX XXXX of Deeds, Bank of America did not file the mortgage discharge paperwork when Merrill Lynch refinanced the mortgage in XXXX and never filed an amendment when it took over the Merrill Lynch mortgage XXXX XX/XX/XXXX, XXXX instead the XXXX XXXX XXXX XXXX XXXX only records the original Bank of America XX/XX/XXXX mortgage and discharge of the same mortgage on XX/XX/XXXX ( XXXX XXXX XXXX of Deeds documentation attached ). 
. 
Please have the Bank of America send me a discharge of the of XXXX mortgage corresponding to when the XXXX Merrill Lynch XXXX XXXX as well as the modification when the Merrill Lynch mortgage XXXX transferred to the Bank of America XXXX XX/XX/XXXX as well as filing the required documents with the XXXX XXXX XXXX XXXX Deeds. Also, please have Bank of America send me a copy of all the financials associated with the original XXXX mortgage XXXX Bank of America only sent me XX/XX/XXXX- XX/XX/XXXX financials from the new transferred mortgage ). 

Thank you, 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 2023-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am listed as a joint account holder for a Wells Fargo credit card. There have never been any late payments. However, the other named account holder filed Chapter 13 bankruptcy ( I was unaware until I received a credit reporting notification that the account was closed and charged off ). I called Wells Fargo a number of times and explained that I am trying to obtain a mortgage, but this charge-off is negatively reflecting on my credit. I was forced to pay the account off to try to show good faith on my credit report. Wells Fargo should not have required payment to change the status of the account because the joint account holder filed for Chapter 13 bankruptcy. Additionally, the account holder who filed bankruptcy is required to pay the account off so, Wells Fargo is incorrectly reporting this account as a charge-off on my credit reports. I asked a number of times for at least a letter showing that I paid the account off. I was told XXXX different time frames by individuals in the Bankruptcy Department and was ultimately promised that a letter would be mailed to me on XX/XX/2023. This has caused substantial harm to my credit scores. 

Call Notes : XXXX @ XXXX a.m. : spoke to XXXX- confirmed that dispute was submitted on my behalf on XXXX to the credit bureaus to confirm whether I filed for bankruptcy - cant provide tracking number - provided me with the phone to XXXX ( XXXX ) to check status - called XXXX, but the agent said he couldnt see the dispute Wells Fargo Credit Card ( XXXX ) XXXX XXXX XXXX XXXX XXXX provided by XXXX XXXX XXXX Wells Fargo Bankruptcy Department ) XXXX XXXX Spoke with XXXX @ XXXX am - she submitted dispute to have charge off removed from credit - should receive the response within 60 days via mail XXXX - tried faxing XXXX XXXX XXXX Wells Fargo Credit Bureau Dispute XXXX department - number never would answer/work XXXX @ XXXX pm : spoke XXXX XXXX in Bankruptcy - account will still show up as closed & charged off even if paid in full ; XXXX @ XXXX pm : spoke to XXXX in Bankruptcy - said only a few members in bankruptcy dept - can only accept payment via bill pay or check - once payment clears can call her back and she will guarantee send me a paid in full letter within XXXX business days XXXX Bill pay information XXXX Wells Fargo Services XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX Amount : {$680.00} Paid in full XXXX @ XXXX pm XXXX XXXX XXXX XXXX XXXX : Spoke to XXXX in Bankruptcy @ XXXX pm- confirmed payment received on XXXX - provided her my current mailing address - will mail letter XXXX business days from the XXXX - XX/XX/XXXX is the mail out date

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 2023-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX, KS XXXX ; XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, KS XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance XXXX : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$530.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$9400.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$800.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance XXXX XXXX {$2300.00}. XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX, KS XXXX ; XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, KS XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance XXXX : {$0.00} ;XX/XX/XXXX XXXX Balance Owed : {$530.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$9400.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$800.00} ; XXXX XXXX XXXX Original Creditor : XXXX ELECTRIC- XXXX ) XXXX Balance XXXX XXXX {$2300.00}. XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: NY

Complaint narrative:
I can not get a hold of XXXX. I have graduate student loans serviced by this company and called them since XXXX today. They had stated that the wait time would be about XXXX minutes. It is now currently XXXX and I am still listening to the elevator music. I have been dealing with this issue for almost a month now. Wait times are absurdly inaccurate and they hardly ever call back. 
I am attempting to consolidate my loans with my XXXX loans ( serviced by a company way better equipped than XXXX ) and need confirmation by XXXX before XX/XX/XXXX. I had been seeking advice and consulting with XXXX, XXXX, and my other XXXX loan servicer since mid XXXX. XXXX never notified me that they were unprepared for a consolidation of my loans. It appears to be a simple matter but I simply can not get in touch with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: FL

Complaint narrative:
The reporting of these account ( s ) is/are violations of 15 USC 168la , The Fair Credit Reporting Act [ 15 USC g1681 ( 0 ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( l ), " credit card '' is defined as the following : The term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

This makes my social security card, driver 's license/ID, and license plate credit cards that are/were used for the extension of credit. 

I demand these account be deleted right away from my consumer 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 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please remove the late payment from my account. 
I always pay on time. This is causing me a lot of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
A few weeks ago, the Chase closed my account with no notification. I went to a branch immediately and see what happened and what next. They told me that a cashier check will be sent to me later and asked me to wait. Then, I keeps waiting for my check for more than XXXX weeks. I found that nothing coming so I decide to call them this morning, they told me the check is hold and still been reviewing. I just need my check back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I always pay on time and never missed a payment. I'm begging you please update my account.

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 2023-10-03 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. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XX/XX/XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XX/XX/XXXX # XXXX, Account name : OFFICE OF THE ATTY XXXX XXXX XXXX # XXXX, has violated my rights. 

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 2023-10-03 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: CA

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. 

Account Name XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : Untitled Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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