vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NY

Complaint narrative:
Greetings, Upon on the resumption of student loan repayment I was given an administrative forbearance which was set to end on XX/XX/year>. Prior to the end of this period, Mohela sent me bills that was due prior to this date. I sent email requesting why this has happened? I got an email expressing months after my first email expressing that they we are experiencing delays in responding to emails. I later got and email stating that the question was too complicated for a written response, and I need to call a customer service agent. 

I applied to XXXX  program to reduce my payment amount. My application was processed, and I was offered a repayment amount of {$200.00} per month. The bills that Mohela started generating in XXXX amounted to {$410.00} instead. I sent email requesting why this has happened? I sent email requesting why this has happened? I later got and email stating that the question was too complicated for a written response, and I need to call a customer service agent. 

In conversation with Department of Education, I was told that my XXXX application and Employer Verification information was still missing and was not sent to them by Mohela. As such, my PSLF considering for loan cancellation could not be considered. 

I would like some assistance with addressing this matter with Mohela and the Department of Education. I sent all of the Department of Education and opened a case on the matter ; however, to date there has been no response. 

Thank You, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: CA

Complaint narrative:
I sent a letter to transunion after my disputes have not removed the inaccurate collection with Transunion in XXXX of last year. I sent letter out XX/XX/XXXX demanding them to remove inaccurate information.

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 2024-01-23 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: 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 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 2024-01-23 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 2024-01-22 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: GA

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.

has violated my rights. Or a 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 response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: GA

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.

has violated my rights. Or a 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
Consumer complaint received 2024-01-22 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: NC

Complaint narrative:
MOHELA has NOT placed me on the income based repayment plan I requested months ago, despite me REuploading information. Now I'm receiving UNAFFORDABLE loan repayment bills. 

MOHELA also did NOT calculate my previous loan payments correctly for PSLF.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: AZ

Complaint narrative:
Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

2. The status is incorrect for the following account XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX  Please update- All New Reporting Information to- paid as agreed and current 6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 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: TX

Complaint narrative:
I recently paid off one of ten accounts in the Nelnet portal on XXXX XXXX. The amount the account owed said {$840.00}. I processed the payment the same day and received an email confirmation that the payment went through. I log in to see an updated amount of {$160.00}, that is now accruing interest. I call customer service and after 40 minutes of being on and off hold, I have to now submit pictures and screenshots of when the account reflected the {$840.00} balance. I was also told that the account was actually over XXXX XXXX dollars, but that is not what their website reflected at the time I processed the payment to completely pay off that specific loan. Where did this mysterious ~ {$200.00} come from???? 
I uploaded my partial picture from XXXX I had of it ; I wish I would've taken a better picture in hindsight, I did not think I would need it as proof for something of this sort, as well as a screenshot from XXXX XXXX  showing that the account was at {$840.00}. I also included the email confirmation I received for the {$840.00} payment I made on XXXX. 
This is absolutely ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: MT

Complaint narrative:
Called American Express gift card service because the card was not being accepted by any vendor. The first time I called the agent sent me a new card. When I received that I tried it and it was declined by XXXX. I had also tried other vendors. So I called a second time, and they told me that they had removed the block on the card and I should try in 24 hours. I waited over 24 hours and it was still declined. I called back and this time told them I wanted the card refunded. They told me that it would take three weeks. I told them it does not take that long. They also wanted me to give them, my personal information including sending a copy of one of my bills to verify my address because they couldnt verify it. I asked for a supervisor. The supervisor went ahead and took a hit my information and said that it would be returned to me in a check, I called the next day to verify and got a Off shore agent who said his name was XXXX. Theres no way his name could be XXXX because he was obviously from XXXX. Through him I found out that it was obvious. supervisor last night did not set up a refund. The agent had to take down all my information again, and this time gave me a case number. American Express needs to get rid of this call center. They lie, and are very unprofessional and inept. 


Case # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Albert Corporation
State: CA

Complaint narrative:
My account was charged {$14.00} on XX/XX/XXXX. 

However my account was canceled from my communication with the text customer service chat during XXXX of XXXX. They do not have a customer service phone number. 

In addition to the {$14.00} charge on XX/XX/XXXX, I have also been charged the following amounts on these dates : {$12.00} - XX/XX/XXXX {$12.00} - XX/XX/XXXX {$14.00} - XX/XX/XXXX {$17.00} - XX/XX/XXXX {$12.00} - XX/XX/XXXX Prior to these charges, an advance on XX/XX/XXXX was paid to ( Albert ) on XX/XX/XXXX. 

I have requested an immediate re-cancellation of my Albert account, and the ceasing of charging my bank account. I also requested an itemized ledger of the charges to my account, to justify WHY I have been charged so many times after an advance was repaid. 

- Albert customer service emailed me back, ignoring my request for itemized ledger to justify their charges. Then they proceeded to tell me that I could not cancel my account until I withdrawal money they took out of my account without my authorization, for their savings program. I did not authorize any of these transactions since XX/XX/XXXX. I would like to have my money refunded but these requests have been ignored as well.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 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: FL

Complaint narrative:
i have gone back and forth with them about the false information they are reporting on my credit, then one will remove it while the other will keep reporting it. its false inquiries being reported on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TRANSUNION company has inquiry I did not authorize or even aware of and is asking for them to be removed : XXXX : XXXX requested on XX/XX/XXXX XXXX XXXX XXXX  requested on XX/XX/XXXX XXXX XXXX requested on XX/XX/XXXX XXXX XXXX XXXX requested on XXXX XXXX XXXX XXXX XXXX requested on XXXX XXXX transunion consumer requested on XXXX XXXX, XX/XX/XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX requested on XX/XX/XXXX XXXX XXXX XXXX requested XXXX XXXX XXXX XXXX requested on XX/XX/XXXX XXXX XXXX XXXX requested on XX/XX/XXXXXXXX XXXX requested on XXXX XXXXXXXX XXXX XXXX  requested on XX/XX/XXXX XXXX XXXX requested on XXXX XXXX Trans Union interactive requested on XXXX XXXX XXXX requested XXXX XXXX XXXX XXXX XXXX requested on XX/XX/XXXX XXXX XXXX requested on XXXX XXXX XXXX and XXXX Upgrade requested on XXXX XXXX XXXX XXXX XXXX XXXX  requested on XXXX XXXX company has inquiry Im not aware of or authorize and is asking for them to be removed.

US DEPARTMENT OF EDU Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX company has inquiry I am asking to be removed I didnt authorize or aware of XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/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 non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NE

Complaint narrative:
On XXXX XXXX XXXX I asked MOHELA to please forebear my student loan account until my SAVE application was processed. They said they would forebear it until the end of XXXX and that it should be enough time to process the application for SAVE I submitted back in XXXX XXXX XXXX 

I have had to wait over 40 minutes at the least for an answer to their customer service line and I keep getting bills for amounts that I can not afford. Then when I only pay the amount I applied for, I am told that the ful amount is past due and could be sent to collections. It's stressful to think I could be sent to collections when I am doing everything I can to get this situated with little to no response from the servicer 's end.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
There was fraudulent activity that took place on my credit card ending in XXXX with Navy Federal Credit union. I believe it may have been 2 seperate charges one being {$500.00} and one being {$9000.00}. The {$9000.00} charge was to " XXXX XXXX XXXX  '' and was made on XX/XX/23. The other charge was {$500.00} to " XXXX  '' on XX/XX/23. Both of these charges are fraud and I reported them as such to my bank multiple times. They seem to want to just deny my claim and say that these charges were made by me? They most definitely were not and someone was able to access my personal information and make purchases with my credit cards... 

This is fraud and I should be protected from things like this happening. I'm not paying this money and letting the fraudsters just get away with this. I need this money credited back to me or I'm just going to file a lawsuit and come for it that way. Either way these aren't my charges and I won't be paying 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 2024-01-22 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

4. The status is incorrect for the following account XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief