vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I requested a refund of loan payments made during the XXXX loan forbearance period ( between XX/XX/XXXX, until XXXX XXXX, XXXX ), payments which did not go towards my XXXX XXXX Forgiveness status. This amount was for around {$20000.00}. The request was made in XX/XX/XXXX over the phone with a live representative. It is now XX/XX/XXXX and have not seen any proof of refund to my bank accounts, nor did I receive any proof that the refund went through. I also had to move my loan to XXXX for their student loan forgiveness program, only to still have {$900.00} still remaining on my NELNET account, which is still gaining interest. There should be nothing in NELNET at this time. 

I have emailed Nelnet multiple times with no response. I have also called Nelnet multiple times throughout the week only to be on hold for XXXX to XXXX hours or more before the system hung me up or the office was closed before I talked to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
i received a statement from aidvanatge today saying i owe XXXX $ payment. i dont understand what is going on

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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: OH

Complaint narrative:
XXXX did not properly notify my of payments starting again, should have been sent in the mail. I found out threw my credit report. In XXXX I followed the process that XXXX ask me to do to become to bring my account to a current status or forbearance. My Account was in current status as of XX/XX/23. XXXX then reported to the agencies that I was past due again on XX/XX/23. XXXX stated that they could not change this, but this is clearly inaccurate reporting. And if this much is inaccurate then what else or they falsely reporting on consumers. And it appears that no Agency is really doing a thorough investigation into this situation. I have documents from XXXX that states I owe nothing until XXXX but the continue to fill my credit with 90 days past due. XXXX past do in XX/XX/XXXX past due in XXXX that equals 180 days past due. But they reported me current in XXXX, XXXX and XXXX. Clarification is still needed.

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX did not properly notify my of payments starting again, should have been sent in the mail. I found out threw my credit report. In XXXX I followed the process that XXXX ask me to do to become to bring my account to a current status or forbearance. My Account was in current status as of XX/XX/23. XXXX then reported to the agencies that I was past due again on XX/XX/23. XXXX stated that they could not change this, but this is clearly inaccurate reporting. And if this much is inaccurate then what else or they falsely reporting on consumers. And it appears that no Agency is really doing a thorough investigation into this situation. I have documents from XXXX that states I owe nothing until XXXX but the continue to fill my credit with 90 days past due. XXXX past do in XX/XX/XXXX past due in XXXX that equals 180 days past due. But they reported me current in XXXX, XXXX and XXXX. Clarification is still needed.

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX did not properly notify my of payments starting again, should have been sent in the mail. I found out threw my credit report. In XXXX I followed the process that XXXX ask me to do to become to bring my account to a current status or forbearance. My Account was in current status as of XX/XX/23. XXXX then reported to the agencies that I was past due again on XX/XX/23. XXXX stated that they could not change this, but this is clearly inaccurate reporting. And if this much is inaccurate then what else or they falsely reporting on consumers. And it appears that no XXXX is really doing a thorough investigation into this situation. I have documents from XXXX that states I owe nothing until XXXX but the continue to fill my credit with 90 days past due. XXXX past do in XX/XX/XXXX past due in XXXX that equals 180 days past due. But they reported me current in XXXX, XXXX and XXXX. Clarification is still needed.

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 2023-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I went to the car dealership and ask that XXXX be the only inquiry when i went back there was multiple inquiriesXXXX 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

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 2023-11-02 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: PA

Complaint narrative:
I went to the car dealership and ask that XXXX be the only inquiry when i went back there was multiple inquiriesXXXX 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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have submitted a complaint to the NY XXXX, after which I received a call from a certain XXXX XXXX, she said she would call afterwards which she didn't, then I tried to call her XXXX times and couldn't reach her. 

The biggest problem is that my account was closed and my debit card is not working.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello, I had a credit limit of {$40000.00} dollars and I got an XXXX  Notification saying my credit score took a hit due to one of my card limits getting decreased significantly to {$30000.00}. 

I have my personal checking, savings account, home mortgage, additional checking account, a custodial account for my daughter and I have XXXX credit cards with JPMorgan Chase. 

It doesn't make sense to me how they lowered my credit limit because I make my monthly payments on time and I pay more than the required payment amount. 

I would appreciate it if you can look into this because my credit score decreased by XXXX points overnight which isn't fair at all. 

I appreciate your help and support. 


Warm Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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: CA

Complaint narrative:
I sent correspondence in XXXX. I attached 2021 document. I have no account with XXXX XXXX XXXX. Experian never responded back about this account but deleted the others mentioned in my letter. It could have been an oversight but according to report # XXXX it still remains. I request this account be deleted.

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 2023-11-02 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.
State: CA

Complaint narrative:
XX/XX/2023. On XX/XX/XXXX i made a payment to my balance and assumed the payment would go to principal since the payment due date is not until XXXX XXXX however, the payment of {$500.00} was paid directly to all the interest. I see that this is a problem and loans will be very difficult to pay off if payments made on the account will go to interest first.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I was sent a fake letter in real BofA letterhead stating I owed {$16000.00} in credit card fees. The letter used a real BofA hyperlink that redirected to another fraudulent website. It also used a real BofA address from a BofA Commercial Card Team. I didnt call the number but have attached the letter below. 

Of note, the letter was left on my doorstep and not in my mailbox.

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 2023-11-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: NRA Group, LLC
State: AL

Complaint narrative:
Received call from National Recovery Agency stating I owed a debt. This was not the first call from this company. I returned the call and they demanded I provide them with information including social security number and other personal data. I have tried to cooperate to keep them from calling again but they continue to harass me, ask me whether I know people they name, and can not verify I owe any debt. They appear to be evil and are just trying to collect personal information. I had previously asked them not to call me and they have ignored my request.

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 2023-11-02 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I have requested on to receive debt validation from this company. I requested the original contract signed by me, detailed full payment history and proof that this company is able to collect in my state. I have yet to receive any information and its been well over 30 days

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have sent American Express numerous of letters and evidence to remove the inaccurate late payments off my report and they have ignored all of my attempts and continue to violate the consumer laws of15 U.S. Code 1681n - Civil liability for willful noncompliance and also15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: MO

Complaint narrative:
I am writing to file a formal complaint regarding the numerous and unsuccessful attempts I have made to remove fraudulent items from my credit file. These fraudulent entries are severely impacting my financial standing, and I am seeking your immediate assistance to address and rectify this matter.

I discovered that my credit report issued by Credit Bureaus contained multiple fraudulent entries that are not connected to my financial activities. These fraudulent entries are causing significant damage to my creditworthiness and are a result of identity theft or unauthorized actions. I have made numerous attempts to have these fraudulent items removed from my credit file, but they persist, hindering my access to financial opportunities.

I kindly request that you take the following actions to address this issue : Conduct a thorough review of the fraudulent items and remove them from my credit file immediately upon confirming their fraudulent nature.

Investigate the origin of these fraudulent items and take necessary steps to ensure that they do not reappear on my credit report.

Provide me with written confirmation once these fraudulent items have been removed from my credit file.

Ensure that no further negative impacts occur on my credit report due to these fraudulent entries.

I understand the seriousness of maintaining accurate credit reporting, and I trust that 3 Credit Bureaus takes these matters seriously and will work diligently to rectify this situation promptly.

Please consider this letter as a formal notice of my complaint. I expect a response within the exact timeframe from the date of this letter. If these fraudulent items are not removed from my credit file and the issues not resolved within this time frame, I may be forced to escalate this matter by seeking legal remedies or contacting the appropriate regulatory authorities. I am asking for your assistance to remove the following fraud items in my credit file : XXXX XXXX XXXX Balance Owed : {$170.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$73.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$340.00} ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXX XXXXXXXX Balance Owed : {$170.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$340.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$340.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$170.00} ; 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 2023-11-03 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: MO

Complaint narrative:
I am writing to file a formal complaint regarding the numerous and unsuccessful attempts I have made to remove fraudulent items from my credit file. These fraudulent entries are severely impacting my financial standing, and I am seeking your immediate assistance to address and rectify this matter. 

I discovered that my credit report issued by Credit Bureaus contained multiple fraudulent entries that are not connected to my financial activities. These fraudulent entries are causing significant damage to my creditworthiness and are a result of identity theft or unauthorized actions. I have made numerous attempts to have these fraudulent items removed from my credit file, but they persist, hindering my access to financial opportunities. 

I kindly request that you take the following actions to address this issue : Conduct a thorough review of the fraudulent items and remove them from my credit file immediately upon confirming their fraudulent nature.

Investigate the origin of these fraudulent items and take necessary steps to ensure that they do not reappear on my credit report.

Provide me with written confirmation once these fraudulent items have been removed from my credit file.

Ensure that no further negative impacts occur on my credit report due to these fraudulent entries.

I understand the seriousness of maintaining accurate credit reporting, and I trust that 3 Credit Bureaus takes these matters seriously and will work diligently to rectify this situation promptly.

Please consider this letter as a formal notice of my complaint. I expect a response within the exact timeframe from the date of this letter. If these fraudulent items are not removed from my credit file and the issues not resolved within this time frame, I may be forced to escalate this matter by seeking legal remedies or contacting the appropriate regulatory authorities. I am asking for your assistance to remove the following fraud items in my credit file : XXXX XXXX XXXX Balance Owed : {$170.00} ; XXXX XXXX XXXX, XXXX XXXX Balance Owed : {$73.00} ; XXXX XXXX XXXX Balance Owed : {$340.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX Balance Owed : {$170.00} ; XXXX XXXX XXXX Balance Owed : {$340.00} ; XXXX XXXX XXXX Balance Owed : {$340.00} ; XXXX XXXX  XXXX Balance Owed : {$170.00} ; 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
On XXXX, I attempted to pay USPS {$88.00} and was told my Huntington credit card declined. 

That was strange when I new my credit limit was {$11000.00} and my available credit was {$3000.00}. 

I contacted Huntington Bank customer service to make sure because of the Trigger my account was not compromise. 

I was told that after 6 months that with good payment history that I would receive a credit line increase if requested. 

I had not requested a credit line increase at this time. 

When I contacted Huntington Customer Service I was told I would receive a letter.

I did not authorized Huntington Bank to pull my credit only when I applied for credit. I have never been late and I have always made my payments ontime.

I have even paid thousands of dollar more than asked to bring down my credit balance.

I am definitely not a credit risk to Huntington Bank to have reduced my credit limit used my personal information without my permission.

I informed Huntington Customer Service that {$88.00} was declined and my credit limit was reduced from {$11000.00} to the balance I owe on my credit card to {$8300.00} which is unfair to me as a preferred customer of theirs. 

All they could say in a loud voice. You will get a letter in the mail between 7 to 10 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 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:
These account is fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Since i started this account with Huntington I have received over {$1700.00} in fees. The account was opened in late 2021. 

In additon to the overdraft fees, they have charged me returned check fees, real time payment fees, international fees, " extended overdraft fees '' when it extended too long for them, too many transaction fees, etc. 

This is coupled with the fact that there is not an option, no way to stop transactions from coming through if there isnt money in the account. This type of account they said " doesnt permit '' me to stop any transactions from coming through that create an overdraft. The screen for overdraft options is blank for this account. So i literally cant stop it and they will keep charging me. 

Ive called them multiple times about it and they wont help me and wont stop transactions from going through. Now the interesting part is they say they " cant '' stop them but if the account goes over roughly {$3000.00} in the negative everything is stopped. So they can they just wont stop it. 

Also they chagre me a fee when theres an over draft and then they charge a fee to return the payment? So what is the overdraft fee for? Its not paying for the transaction when they send it back?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-02 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: GA

Complaint narrative:
All three credit bureaus EXPERIAN XXXX XXXX XXXX are showing my XXXX loans with balances in which my loans has been paid in full. This adverse information is harming my credit report with this inaccurate information reporting.

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