vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Insurance paperless account was not paid as I had already had it running Bank of the west was my banker changed its name to BMO. When I changed my debit card from bank of the west to BMO .the bill paying accounts were met .so was involved in a auto accident and when i reported it informed didn't have insurance policy cover already before and working smoothly now when had failed me this the most .So when calling my insurance to inform or find out why I wasn't covered and what had happened they advised me that there records showe that came and then was with drawn leave me know choice but the call the BMO bank responsible for my smooth running account not properly leaving the money that would be saving my altercation and my proff of insurance All that that stands for when in a accident! And my going to be held guilty for the accident as Colorado law states uninsured motorist held guilty .Thank you for being patient

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 2023-10-24 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: TX

Complaint narrative:
I implore you to take swift measures to eliminate the unauthorized accounts from my credit report, as they were not approved by me and are causing substantial distress.

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 2023-10-24 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: IL

Complaint narrative:
I DID NOT AUTHORIZE THIS ACCOUNT. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: IL

Complaint narrative:
I DID NOT AUTHORIZE THIS ACCOUNT.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2023-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.

Complaint narrative:
On XX/XX/ I requested that Nelnet provide a refund of the payments I made during the pandemic forbearance. They agreed and said the reimbursement would be processed. 

In XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I made attempts to contact Nelnet via their customer service line. In addition, Ive attempted to use their contact form. As I recently moved from the XXXX I have had significant trouble getting ahold of someone. While on the phone, the automated machine asks that I supply my social security number, date of birth, and 5-digit post code. My post code is no longer 5 digits, as I live in the XXXX and it is a 6 character alphanumeric code. Because they were unable to verify my account, they noted it would take longer to connect me. After sitting on hold today for 2 hours, I was promptly disconnected. 

In XX/XX/, Nelnet reinstated the balance that I requested a refund for, indicating that they had refunded me. In total, I paid Nelnet over {$6000.00} during the pandemic, bringing my balance to {$20000.00}. After requesting a refund, my balance rose again to {$26.00}XXXX XXXX  Unfortunately, I have not received the check despite updating my mailing address to my XXXX residence, which they assured me was fine to receive a refund check. I would like assistance with either obtaining that check or understanding why Nelnet is fraudulently claiming that I owe XXXX XXXX when I should only owe XXXX XXXX  until they provide that reimbursement. 

Additionally, when requesting the refund in XXXX, I asked if the reimbursement could be refunded to the original payment method. They told me the department of treasury only issues reimbursements in the form of checks. I know this not to be true because my husband received a similar reimbursement from the department of treasury as a refund to the original payment method.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: FL

Complaint narrative:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureaus failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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

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 2023-10-24 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: EdFinancial Services
State: IL

Complaint narrative:
On XXXX XXXX I requested to be moved to the fixed extended repayment program for my federal loans through my servicer EDFinancial. That day, I received email confirmation that my request was being processed and I should expect to see my new payment XXXX XXXX XXXX XXXX in 7 to 10 business days. 

My payment is now due on XXXX XXXX, and my account still shows my loans on the IDR plan with a monthly payment of {$310.00}. 

I have unsuccessfully tried to contact EDFinancial three times this week and am hung up on instantly when receiving a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-10-24 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-10-24 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I DID NOT AUTHORIZE THIS ACCOUNT. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2023-10-24 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 have made several attempts to dispute the presence of these accounts on my credit report, as they do not pertain to me. Despite my efforts, these disputed accounts continue to be reflected in my credit history. Additionally, I have filed multiple FTC reports concerning these erroneous accounts. 

These companies have declined to address these disputes, even though they are legally obligated to do so. 

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

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 2023-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
Prior to XX/XX/XXXX, Aidvantage reached out to me to let me know that my payments would be beginning. Then I read that XXXX was handling all pslf loans. I have been working towards pslf for YEARS! During the pandemic I applied again for pslf and they finally accepted my past 6 years for working for the XXXX but not my XXXX XXXX XXXX XXXX XXXX XXXX XXXX because they say my EIN isn't correct. How did I receive tax forms for all those years? So I began calling customer support. I waited for an hour and 17 minutes one day and the next day it said my wait would be 422 minutes! I am an XXXX do you know how much free time we have? Then on XX/XX/XXXX I received my first bill. Prior to the pandemic my payments were {$350.00} a month and now they want {$870.00}. What!? It says to apply for refinancing but my payment could increase. Why would I do that? 
Now this week my email said my new servicer will be XXXX What do I do? Who do I contact? How do I dispute my payment and my years working towards pslf? There is literally no one to talk to. I luckily saw this site in a XXXX XXXX  article because who is an advocate for student loan? I can make a payment, I've given my whole career to public service because I know my college education will never provide enough money to cover being an XXXX - that was the promise our college made to us. Be an XXXX and you can get loan support and great benefits - these aren't really panning out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/ two accounts was opened fraudulenty. Criminals used the accounts and ran it up fraudulently. I called and had the accounts closed when I finally found out. But their still reporting on the credit bureau files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
On Tuesday, XX/XX/2023 at XXXX, I received an email message from " XXXX '', stating that I won a prize. The email stated : " XXXX XXXX XXXXXXXX ''. The message stated to contact the shipper XXXX XXXX Delivery, at : XXXX XXXX XXXX XXXX XXXX', using XXXX XXXX XXXX XXXX XXXX XXXX She " XXXX '' stated that I won an XXXX and an XXXX laptop. I texted the " shipper '' and he requested that I send {$50.00} for expedited shipping fee from XXXX. He said to use phone number XXXX ( Under the name XXXX XXXXXXXX XXXX Delivery ). Then he texted & said I would get an email from XXXX. I ended up getting an email from " XXXX '' requesting that I send {$100.00} for insurance. I thought this was odd because the email did not come from XXXX. I asked the " shipper '' why this email did not come from XXXX, & gave me some fishy excuse. I asked the person/shipper to refund my money. They asked for my phone number so they could refund my money back to my bank account. They said they did, but I NEVER received a refund!!! The Zelle confirmation of the money I sent is # XXXX. I filed a fraud complaint with my bank XXXX XXXX XXXX and also filed a fraud complaint personally with Zelle. My bank filed their own complaint directly to Zelle. I was denied a refund. Please see attached supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: TX

Complaint narrative:
I implore you to take swift measures to eliminate the unauthorized accounts from my credit report, as they were not approved by me and are causing substantial distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 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: Westlake Services, LLC
State: NY

Complaint narrative:
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b } that your claim is disputed and validation is requested. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

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 2023-10-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Sometime during mid XX/XX/2023, Chase started preventing customers from logging into their accounts if the customers don't have the most up-to-date web browser ( i.e., XXXX, XXXX, XXXX, XXXX ). Unfortunately, many customers like me with older computer hardware ( e.g., XXXX with XXXX XXXX XXXX XXXX ) can not update to the most up-to-date web browsers. This effectively means that I, along with others who must use older operating systems due to software needs, are now completely prevented from using Chase 's website to maintain and view our accounts. For reference, I phoned Chase on XX/XX/2023 to understand if there is an alternative version of the website that will still allow me to access my account without needing to purchase a new computer, but I was told there is not. Also for reference, there is no other website that I'm aware of - let alone another financial institution website - that is completely blocking customers from accessing their accounts via desktop if they are not using the most up-to-date browser. I can not imagine that I am the only person facing this accessibility challenge, as there are thousands of lower income customers who do not have the financial means to regularly purchase new computer hardware that can support the most up-to-date browsers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit reportXXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-24 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: TX

Complaint narrative:
I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them 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
Consumer complaint received 2023-10-24 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: NJ

Complaint narrative:
I discovered that the transaction XXXX Card/Account # XXXX has been furnished to the Trans Union XXXX XXXX, and XXXX and is being reported on my credit report without my written consent. Using or attempting to use identifying information of another person without consent or authority is considered identity theft under Federal Law. The creditors who furnished this information to the credit reporting agencies failed to provide me with disclosures to opt out before disclosing any of my personal financial information to the credit reporting agencies.

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 2023-10-24 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: HI

Complaint narrative:
I am writing to dispute information on my credit report that is definitely inaccurate and should be removed. This information is incorrect and should not be included in my credit report : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I am writing to dispute information on my credit report that is definitely inaccurate and should be removed. This information is incorrect and should not be included in my credit report : XXXX 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