vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: DE

Complaint narrative:
M & T Bank at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX has placed and illegal block on my Guardianship checking account and will not remove the block after many phone calls and branch visits. The checking account was opened on XX/XX/23 and the savings acct on XX/XX/23. The court order from the Delaware court of chancery was presented, and copied by XXXX different Bank associates on XXXX different occasions. The order clearly states that an account must be set up to receive the direct deposit from my sons job, and that the allotted amount XXXX may be transferred form that acct to another account, and that account may be used to complete transactions needed ( not to exceed the allotted amount ). Instead of placing the block on the savings account ( acct that receives the direct deposit ) and liftering the hold on the checking to allow transactions to occur via the debit card ( as stated in the court order ), the Bank has blocked transaction on both accounts, not allowing me access to any the the funds that i have been granted access to by the court. i went into the office today again with the XXXX XXXX and showed the associate XXXX XXXX XXXX # XXXX which clearly stated that this could be done. He agreed but said he still couldn't remove the hold. I requested that XXXX call his manager XXXX XXXX about XXXX times before he agreed. Once he called her, she advised him to just " submit another request '' and that i would not be able to have the hold lifted today. When I requested to speak with her, she told XXXX that she " was not taking any customer comments right now '' and refused to speak to me. XXXX also said that if they do decide to lift the hold, they will have to order me a new card, I explained that i did not want a new card and wanted to keep the one i had since it took about XXXX weeks to receive, He said that I will still have to get a new one. I left the bank still unable to access my funds and without the Bank being willing to comply with the court order. I have called the Bank at least 6 times within the past week and was specifically told to visit the branch to resolve the issue... yet when i visit the branch nobody can assist. This is an unlawful block on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30 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 first reached out to Nelnet in XX/XX/2023 to figure out why the loan simulator calculator was saying my monthly payment would be $ XXXX with the XXXX plan but my XXXX application made it $ XXXX. The phone representative told me she was also getting $ XXXX so she escalated it to the XXXX XXXX  and I never heard back. So I emailed the XXXX XXXX  and they will not provide information on how its being calculated. I have emailed them XXXX more times since then and also sat on hold for XXXX hours twice since then. I have not been provided any help. There is a huge discrepancy in how payments are calculated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
XX/XX/XXXX I Charged {$78.00} for free XXXX pre-check fee. They will not re-imburse for this fee where I qualified for up to {$100.00} refund. They keep responding " we are unable to assist with the inquiry You book online at the priceline website using this visa card and they advertise XXXX rewards points. I have booked over {$1300.00} where they reroute the purchase through XXXX a " partner company '' and only pay XXXX points. Again they respond with we are unable to help with this inquiry. 

XX/XX/XXXX purchased a trip to XXXX for {$3100.00} on XXXX charges went thru XXXX on priceline XXXX points on XX/XX/XXXX and {$700.00} re-routed thru XXXX charges for XXXX XXXX XXXX  points XX/XX/XXXX XX/XX/XXXX purchased stays in XXXX XXXX XXXX  priceline with rewards visa and shows up as XXXX XXXX {$200.00} XX/XX/XXXX, XXXX XXXX {$200.00} XX/XX/XXXX, XXXX XXXX {$190.00} XX/XX/XXXX all being re-routed thru XXXX at XXXX points They will not do anything about this stuff other than make you talk to a person for XXXX who can't speak understandable english and then send a note a week later saying " we are unable to assist 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 non-monetary relief
Consumer complaint received 2023-09-30 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: OR

Complaint narrative:
I tried to call Mohela XXXX  XX/XX/2023 as they have the incorrect payment amount for my student loan. My payment is {$370.00} more than what it should be. My interest on the loans is also going up at the incorrect rate and my subsidy should be covering my interest but Mohela has all of my information incorrect. When I called Mohela I was on hold for 1 hour and 47 minutes before they hung up on me. I have not been able to talk to a live representative whatsoever about this issue. Wait times have been XXXX minutes long everyday and they keep hanging up before even taking a call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 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 filed a dispute dated XX/XX/2023 Found several errors of my credit reports I request to remove any incorrect reports, to my credit profile Experian failed to comply with thier own policies in a timely manner. Please see 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 explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX, Okay, so here 's what's going on with this situation. I am currently on XXXX, and I receive checks every XXXX weeks from them. 
Once I receive the check by mail. I then go and deposit the check into my checking account at Citi bank. After I deposit the check, I am not able to get the money until next day. XXXX is their policy when it comes to state XXXX checks. Okay, so the next day I go, and the check was not cleared yet. I called the XXXX number to speak to an agent and after they looked into it. The only answer that was given to me at the time was that it looked like the check was not a real check. So, I said to myself, how is this so if it came from the state. They made it seem like from their end that someone had deposited a check into the account, but it wasn't cleared but the funds were given to me anyway. I got another check from state XXXX in the amount of XXXX and funds were given to me because the check cleared again on the next day. I just received another state XXXX check and I was able to deposit it and again the funds were given to me because the check cleared. I looked at my account online the next day just to see and sure enough they had a block on my account. I go in to speak with a teller and she called whomever she needed to see what and why was my account blocked. The person who she spoke with on the phone from the Citibank team. Had her to ask me what I needed the money for and what bills did I pay from this money given to me. The teller tells me after speaking to whomever, that the check didn't look real, and it was fraudulent activity going on come to find out later on the next day. My name had been put on the fraudulent list which I had no clue about until I spoke to the manager at this branch. I am startled, disappointed in the way they handled things and treat their customers. They will be sending me out a letter explaining why they closed my account. I've been banking with them for 20 years and this has never happened before. I couldn't cash my check here, so I went to the check cashing place, and they charged me XXXX dollars. I will be getting another check from the state and i feel like this is going to happen again. Oh, I was also told by the manger to check back in a few more days to see if they have cleared my name form the fraudulent list. My address is XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX and the branch where I go is located on XXXX here in XXXX. 

Thank you and I look forward to hearing from you soon. 
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 monetary relief
Consumer complaint received 2023-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2023, I filed a dispute against multiple credit cards that appeared on my Experian account which resulted in a significant negative impact on my credit score. XXXX, XX/XX/2023, I saw that some of the accounts that are not mine were removed from my credit report, but one still remains- which is not mine. I have called the lender XXXX XXXX XXXX XXXXXXXX XXXX and checked previously and confirmed that there are no other accounts under my SSN aside from the three accounts that I actually hold. Under their credit report, it shows three names- one that's clearly spelled differently, and one that is spelled correctly but without a space in between my name. Experian also lists two addresses out of California which I have no association with- I've only resided in California ever since I moved to the United States . Experian also has one contact number that is not mine as well. They failed to fix the problem when I filed the dispute and concluded that the wrong addresses, contact info, and a credit account that I have no association with still belong under my credit.

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 2023-09-30 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: TX

Complaint narrative:
I HAVE RECIEVED ANY VERIFICATION OF DEBT REPLY. COMPANY VIOLATED THE CEASE AND DESIST BY REPORTING TO CREDIT BUREAU WITHOUT PROVIDING ME WRITTEN PROOF AS REQUESTED. I HAVE NOT RECIEVED ANY PROOF OF DEBT OR SIGNED DOCUMENT BY ME THAT VALIDATES THE DEBT AND ITS BEEN OVER 90 DAYS. LAW 15 USC 1681 HAVE BEEN VIOLATED BY THE COMPANYS ACTIONS AND I REQUEST YOU TO REMOVE THESE NEGATIVE ACCOUNTS FROM ALL BUREAUS IMMEDIATELY. I WILL BE LOOKING TO FILE SUIT AND COMPLAINTS WITH FTC BECAUSE MY RIGHTS AND LIVELIHOOD HAVE BEEN AFFECTED BY THEIR ACTIONS.

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 2023-09-30 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: FL

Complaint narrative:
MOHELA loan servicer will not return phone calls or emails. Wait times for the call center are in excess of XXXX to XXXX hours. Current payment amounts are incorrect company will not work to resolve incorrect payment amounts billing amount due is different on student aid website and MOHELA website, customer service is unable to resolve issue. MOHELA erroneously auto withdrew excess money from my checking account after auto debit with processed and XXXX. Bill was received only XXXX weeks before due date via backdated online inbox. Unprofessional practices and customer abuse. Unprofessional practices negatively effecting my financial and mental well being.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I have already provided you with documents and reasons for my complaint. You just contacted the CC company, sent them my complaint and they provided the same answer that I was told when I contacted them. You acted as a MAIL Carrier and not investigated anything about the reason why I complained to you. 
My email address at the time was XXXX but that email account is closed. I just provided the email address so you could find my previous complaint. 
Now I need to know whom should I contact about the unfair practice of this credit card company? I thought you would be the one but got disappointed. 
Please advise as soon as possible! Thank you! 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Subject : Dispute and Resolution Request Incorrect Reporting by Credit Reporting Agencies for XXXX XXXX : STUDENT LOAN ACCOUNT NUMBER XXXX To Whom It May Concern, I am writing to formally file a dispute and resolution request regarding inaccurate reporting by credit reporting agencies, specifically related to a debt cancellation event supported by a XXXX Form. This dispute centers around an account for which I have received a XXXX Form for the cancellation of debt from the bank that identifies itself as the loan servicer. However, the outstanding balance on this account has not been correctly reported as zeroed out, despite the debt discharge. 

Account Information : Company : XXXX XXXX Account Holder Name : XXXX XXXX Account Number : STUDENT LOAN ACCOUNT NUMBER XXXX Date of XXXX Form : XX/XX/2023 The issuance of the XXXX Form by the bank that claims to be the loan servicer signifies the cancellation of the debt associated with the aforementioned account. However, credit reporting agencies have not accurately reflected this significant event in their reporting. I believe that these agencies need to demonstrate a good faith effort to display the zeroed-out balance as the debt has been duly discharged. 

Enclosed with this complaint is a photocopy of the XXXX Form for your reference. It provides clear evidence of the cancellation of debt associated with the account in question. Therefore, I respectfully request that the CFPB intervene to facilitate the following resolution : Resolution Request : 1. Immediate Removal or Correction of Reporting : Credit reporting agencies must promptly remove or correct the reporting of the account in question to accurately reflect a XXXX balance, consistent with the debt discharge as indicated on the XXXX XXXX. 

2. Cease Negative Reporting : Credit reporting agencies should cease any negative reporting associated with the discharged debt, including but not limited to late payments, defaults, or other derogatory remarks related to this account.

3. Confirmation of Corrected Reporting : Credit reporting agencies must provide written confirmation to me within 30 days of receiving this dispute and resolution request, affirming that the account has been accurately reported with a XXXX balance and that negative reporting has ceased. 

I firmly believe that this dispute and resolution request will lead to a fair and accurate resolution of this matter. I kindly request that the CFPB investigate this issue and ensure that the credit reporting agencies comply with the applicable regulations and guidelines governing accurate and fair credit reporting. 

Thank you for your attention to this matter, and I look forward to a swift and accurate resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
While reviewing my bank statement on XX/XX/2023, I discovered that XXXX XXXX XXXX used the Home Depot credit card to buy gift cards and items not utilized in the project without my authorization. 

XXXX XXXX did nothing correctly at the house and didn't repair things. I am providing evidence such as an inspection report made by an inspector with letterhead and an inspection letter explaining in detail line by line that the XXXX did not do or finish anything, or any other documentation supporting my claim. 

The only items that were utilized were the ones ordered online and picked up by XXXX XXXX. These orders are order # XXXX, # XXXX, # XXXX, # XXXX, ORDER # XXXX He spent {$1600.00} on items and gift cards that were not utilized at the project since he did not repair or do anything. I reached out and initiated a dispute for these charges and Home Depot Credit Card support said that the expense was on me since I was the one that gave him the credit card to use. I explained to them that I was a victim of a scam and unlawful business that did not deliver the service and I was willing to provide evidence that supported my claim but they did not provide any flexibility for me to present my documents and support the dispute. I told them that I thought they offered consumer protection under regulation E since I was tricked and induced to pay for material or services that were not delivered still they did not reimburse the {$1600.00} funds. 

XXXX XXXX has criminal records I found out everything after the facts and it is very unfair for XXXX XXXX not to give the chance to support my dispute by showing them public record that shows this XXXX has a criminal record for fencing and stealing.

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 2023-09-30 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: IL

Complaint narrative:
Someone reported a number of inquiries on my credit reports. I have no knowledge of them and would like to file a complaint to have the credit bureaus remove them. 

XXXX : XXXX ON 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 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 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 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 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 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 2023-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
Multiple times I have called, waited on hold for HOURS, and been provided a lame excuse for why I couldn't be assisted by that agent and passed to another or disconnected. I applied for the XXXX repayment plan via the federal website who passed my info along to MOHELA to be approved. The works has already been done by the federal website, just needs stamped by MOHELA but due to the delays I will have to pay much higher payments until they finally approve my request to be changed over to the XXXX program. It honestly feels like a delay tactic to get me to pay higher payments for as long as possible before changing my repayment plan. It is now XXXX weeks after my original request, XXXX weeks of calling have not achieved anything and I'm stuck with a much higher payments until MOHELA does what they are being paid to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: WA

Complaint narrative:
Did not give permission for Hard inquiry. Please remove now. 

XXXX XXXX XXXXXXXX Inquired on XX/XX/2022 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: WA

Complaint narrative:
Did not give permission for Hard inquiry. Please remove now. 

XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/2022 2022

Company response to consumer: Closed with explanation