vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-12 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: OH

Complaint narrative:
My loan through Great Lakes borrowing service was recently transferred to the likes of Nelnet. I added my bank information to set up autopay. I also decided to pay down a sizeable chunk to shorten my timeline. 

After several days, I noticed no sum was deducted from my account. I logged back into my account to find that the payment was listed as " last payment received '' with the correct amount, but there was no history, record, or paper trail of the transaction. As my auto debit was due, I saw that too was reclassified as " processing, '' only to find two days later that it was canceled by Nelnet.

All information regarding my banks was correct -- I wouldn't have been able to get as far as I did if it wasn't -- but this company has the inability to process a payment while allowing interest to accumulate. I am fundamentally unable to pay off my loan to a servicer who refuses to accept my money. 

Further, upon logging in, I can NOW view my Nelnet account, consisting of : - No due date available - No recent activity ( i.e. payments ) - No available repayment status - {$0.00} current balance - The amount of my formerly active auto debit listed as received - My contact information, listed under the name " null null '' I am currently on hold going on 90 minutes as well. There does not appear to be any sort of recourse for a late or unreceived payment, as this company seems not UNDERstaffed, but UNstaffed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: DE

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 explanation
Consumer complaint received 2023-10-12 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: 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 of 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 2023-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
I have been a victim of a scam by a music festival promoter XXXX XXXX of XXXX XXXX XXXX. I was excited to purchase my music festival 4-day package and wanted to be able to get the best package by being the first to do so. On XX/XX/XXXX, I purchased a VIP music festival package starting XX/XX/XXXX using my Navy Federal XXXX. On XX/XX/XXXX, while attending a different music festival at the XXXX XXXX XXXX XXXXXXXX XXXX in XXXX XXXX, I got word from a friend who was enroute to meet me for the festival I purchased ; that our festival had been abruptly canceled due to XXXX XXXX mismanagement. This caused a tremendous amount of frustration and stress to say the least. My friend and I have both tried to email and call XXXX XXXX multiple times and still no response. We paid {$5700.00} for the festival that NEVER happened due to XXXX XXXX  NOT paying the hotel for our rooms. 



I have filed a dispute with Navy Federal Credit Union on three occasions, and each time my dispute has been denied. I am a XXXX XXXX XXXX XXXX  and have been with NFCU for 15 years or more. Each time I have been notified by messaging that my dispute has been denied due to it being outside of the timeframe, that NFCU do not have any charge back rights, as well as these regulations were set in place by XXXX. I find it very appalling that my dispute has been denied since my card has been issued by NFCU. Also, this event was a pre-purchased event, which my services were to be provided in XX/XX/XXXX and never received. If you can be of any further assistance, it would be greatly appreciated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: AL

Complaint narrative:
First I had my loans with Edfinancial and I was not told accurate info about why my loan payments were not going towards my forgiveness loan that I applied for. They also have over 2 hr to 3 hr wait times to speak with someone which is unacceptable. Because they provided inaccurate info to me, I went ahead and paid my loan off because I was tired of dealing with them and did not want to go through yet another servicer. Ed financial received my payment posted on XX/XX/2023. They proceeded to transfer my paid off loan anyway 20 days later. They never returned my money. I have been calling them to say hey you transferred a paid off loan and now the new servicer is asking me to start paying on a loan that should not have been transferred because it was paid off and they are trying to add interest. Ed financial said they are supposed to issue a refund but I am yet to receive it. They told me that it can take up to another 150 days to receive my refund. They have had my money for over 90 days already. They should not be able to do this. They owe me interest on my money and I should not have to pay interest to the new servicer. I need my money ASAP. Not 150 days later. They have had my money for too long already. When were they going to refund me? We're they trying to keep it? Why havent I received my refund yet since I have brought this problem forward?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: PA

Complaint narrative:
When the COVID payment pause ended in XXXX, I noticed that my student loan payment had jumped, and that I was no longer on the XXXX plan ( REPAYE ) that I was on when the pause started. As confirmed by the government, borrowers did not have to recertify during the pandemic and should be simply restarted when the pause ended. 

I called Mohela and they lied to me at first and told me that I was supposed to recertify. After asking to speak to a manager, they told me that they would submit an application to get me back on the XXXX plan I was on prior to the pause, which is what is supposed to happen. 

Now, on XX/XX/XXXX, I received an email from Mohela telling me that my request for an XXXX plan could not be approved because I did not recertify. The rule is that I am not required to recertify and that I should be placed back on the XXXX plan I was on prior to the pause, and then given a new date for certification. 

I was given this XXXX ( which is like a case number ) : Qkey : 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 2023-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have had issues with fees with Bank of America since I became a coustomer back in 2015 and I have filed complaint and they always end up winning the dispute because I get tired I know for sure over the years and just recently I have been charged fees that shouldn't have been charged I don't know how to become a member of the class action lawsuit but I'm pretty sure the bank has definitely taken fees and made charges that are bogus I need help to clear some of these fees Bank of America Are crooks they have been stealing from consumers fir years.

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 2023-10-12 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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

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 2023-10-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
On XX/XX/2023 a loan officer from XXXX XXXXNewrez ran my credit for refinancing my current mortgage and stated on recorded line my credit score was XXXX and as long as my home appraisal was XXXX or more we could move forward it appraised for XXXX when I sent my income verification SSDI award letter I was sent a denial letter after they took appraisal and other fees from me. I have a XXXX XXXX and was taken advantage of by XXXX XXXX loan officer and won't return my calls or emails

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-10-12 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: FL

Complaint narrative:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

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 2023-10-12 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:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off 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 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I previously notified Equifax that I found fraudulent information on my credit report. Instead of blocking the reporting of this information as instructed by congress they claim that they did an investigation and updated the information, but failed to let me know what was updated. I am entitled to review any information attached to my credit file. I want to see the name of the person that verified this information, what was updated and provided me with proof that this information came from a first-hand source that has first-hand knowledge that the account belongs to me, and that the information provided was in fact 100 % accurate. If this can not be provided, please remove the named accounts immediately! 15 days should be enough time to get this done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: NJ

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

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 2023-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
See document attached

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 2023-10-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have attached an FTC report with fraudulent unauthorized inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XXXX I received an alert that my bank card was being used in XXXX. When asked if this was me I pressed no and immediately called my bank. By pressing no I assumed the transaction would be declined. It was 5 {$100.00} amounts being taken. They put the money back, but almost one month later after an investigation said it had to be me. I have never been in the state of Florida. They said there is nothing they can do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-12 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: OPORTUN FINANCIAL CORPORATION
State: OK

Complaint narrative:
Oportun Credit Card states opened a card in XX/XX/2022 and it wasn't paid on since XXXX of XXXX  and has been negative since and they say I now owe {$1800.00}. I have no recollection of this card. It is a fraudulent card. When I call Oportun they can't even find any information of me in their system. One of my ticket numbers they have provided me with is XXXX. I have filed Disputes to get this off my credit because it is not my credit card and I shouldn't have to pay for something that isn't mine and they can't even find me in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: AL

Complaint narrative:
On XX/XX/XXXX I mailed these letters certified mail to you and i have yet to receive A WRITTEN RESPONSE!!! MUST I PURSUE LEGAL ACTION!!!!?? 

XXXX XXXX XXXX XXXX Remove my items immediately or face legal action

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 2023-10-12 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: AL

Complaint narrative:
On XX/XX/XXXX I mailed these letters certified mail to you and i have yet to receive A WRITTEN RESPONSE!!! MUST I PURSUE LEGAL ACTION!!!!?? 

XXXX XXXX XXXX XXXX Remove my items immediately or face legal action

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 2023-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
twice i have asked AmEx Debt Collection Department for a copy of ORIGINAL PAY AGREEMENT from XXXX. 
1st request was ignored, sometime in XXXX of XXXX. 
2nd attempt maid on XX/XX/XXXX. They did not respond within 30 days. 

After calling them to alert them they were wantonly and willingly witholding requested documentation, they said they would review the tape of the previous call. 

The document they did send, received after XX/XX/XXXX, was not the document requested. I requested the ORIGINAL agreement made last year, and they furnished only the CURRENT pay agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 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: IL

Complaint narrative:
I sincerely urge you to remove this item from my credit report as it's not associated with me and is completely fraudulent. I kindly ask that you swiftly investigate and correct this inaccuracy on my credit history.

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 2023-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One refused to allow me access to a check I deposited because they were suspicious of the sender 's account or me. The check came from my HOA and the phone number listed on the check is the cell number to the board president. It's a small condo association of XXXX units. They could not find the name of the HOA thru a XXXX search or in secretary of state so they dismissed that it was a real business. Then because they realized the number on the check was a personal cell phone, they said can't verify its really connected to the HOA. I even tried to see if the XXXX bank, XXXX, could reverse the funds back to the HOA. It took me XXXX phone calls to Capital One before a rep even agreed to contact XXXX to verify the board president has authorization on the account. I was Capital One customer for over 5 years. It took me XXXX hours on the phone. No one should have to go thru this as a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I made two transactions one on XX/XX/XXXX for XXXX and one on XX/XX/XXXX for XXXX which should have been processed as a purchase but was processed as cash advance and I was charged XXXX and XXXX cash advance fees and interest as of todayXXXX at XXXX. If the merchant put it through as a cash advance it should have been declined since my limit on cash advance is much lower.

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