vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: ME

Complaint narrative:
I am currently dealing with Nelnet for my student loans. I have about $ XXXX in student loans through them for undergraduate and graduate school. 

I have applied twice to switch my plan from my current income driven repayment plan to the new SAVE plan in an effort to lower my monthly payments. My current monthly payment is about 1/4th of my monthly income. I absolutely can not afford that, which is why I tried to switch to the SAVE plan ( twice ). My monthly payments have not changed at all.

I have called and called and called their call service. I have spent hours and hours on the phone only to never be able to talk to someone. I have been told by their pre-recorded line that they are closed, despite their website indicating that they are open. This has to be the worst customer service I have ever experienced. I have tried their online chat system to attempt to remedy the issues, only to be told that I need to call them. 

I am out of options with them. If I am unable to lower my payments I won't be able to pay my mortgage, my car loan, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: NY

Complaint narrative:
MOHELA is my student loan servicer. They received an autopayment for my first student loan payment after the " pause '' on XX/XX/2023 directly from my bank account. Today, XX/XX/2023, I was notified by MOHELA that my loan was placed on XXXX XXXX. I did not request this nor did I miss a payment. I tried to call them and I was alerted of an XXXX minute hold time on their automatic phone line. I stayed on hold for XXXX minute and then I was hung up on. I tried to contact them through the studentaid.gov phone number and I was on hold for over XXXX minutes and then my phone 's battery died. There is no email or direct messaging available for MOHELA. I sent a secure email through their website and I was notified that they will get back to me in 15 days. Meanwhile, my loan will accrue interest for those 15 days! I refuse to pay this amount since I can completely afford and pay my monthly loan amounts. I am also in XXXX, and I believe time in forbearance does not count towards XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FULTON FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I would like to bring to your attention a matter of utmost importance regarding unauthorized purchases amounting to {$630.00}, which were observed on my Fulton Bank card during the period from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Upon promptly noticing these charges, I responded as soon as possible, given that they were unrecognizable to me. 

To my concern, I subsequently received a denial letter, asserting that no error had taken place. This statement contradicts the events as they occurred. I wish to express my deep disappointment in the outcome of the denial, as it does not align with the circumstances surrounding these unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
Harris and Harris collection agency for medical. They call everyday sometimes every 30 min to one hour. They call after XXXX or XXXX and all day on Sundays. 
I have tons of voicemails and call logs where they call different numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SENTE MORTGAGE
State: TX

Complaint narrative:
In XXXX of XXXX Sente/XXXX  mortgage company sent insurance payment of XXXX to XXXX XXXX  XXXX with a bulk check for all payments to XXXX. This check did not have our insurance account number on it, therefore XXXX sent a wire transfer back to Sente mortgage of the above amount by wire transfer XXXX which was then cashed on XX/XX/XXXX. This was never identified as an issue by myself or husband until our XXXX insurance payment increased in XXXX of XXXX. Once we identified that this was not a one time insurance increase we called XXXX and identified that the above was a problem. Over the last months phone calls to both companies to inquire about the missing payment were made. 3 way phone calls occurred and investigation into the missing payment has been ongoing. Within the last month the trace number from XXXX to Sente mortgage was identified and inquire is still ongoing currently. Sente mortgage has felt mostly obstructive, with only a few helpful agents trying to resolve this situation. I am not sure if it is a company policy for Sente mortgage, but there has never been a promise to have someone call and contact us to follow up, it is always call back in 5 business days and then I am left hoping that someone helpful answers. This has become increasingly frustrating and feels like a stonewalling to get us to give up recouping our funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: FL

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Bank of America reported my credit card over 30 days late to the credit bureaus. I submitted a dispute with them, as I had never received a statement ( via email or in the mail ), and there were no notifications that the credit card was late or that a payment was due. The payment was 34 days late according to their system and my credit history has been otherwise perfect. 

They initially did request to the credit bureaus that the late payment be removed and my credit card XXXX  scores went back up. But later, they re-reported the late payment which caused an immediate drop in my scores. 

They have made it very difficult to obtain information on the request, why they reversed themselves, why I didn't receive billing notification or statements, etc. They have sent letters to call them- with no specificity on who to contact. In general they have made this a difficult and painful experience. 

Representatives I have spoken to are frequently confused, have partial information or can not reference back to my original request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 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: PA

Complaint narrative:
On XX/XX/2023 I mailed an Identity Thief Report stating I have been a victim of Identity Thief. They reply back as if I was filing a dispute and did not fellow the rules that apply when reporting Identiy Thief. And did basically nothing about it.

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 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clealy stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
My wife and I were under a forbearance agreement with PHH mortgage. We gave them one payment at that time of what we could afford, PHH started the billing process on us and stated that we were late now. They reported us late for the next 6 months till we had to work out payments and a loan modification. Since then, we have paid on time every month. We have complained about the negative reporting before, and their response is as always. Per the fair debt collection act, we have the right to report what we want. I have advised them that since they agreed at the time to follow the cares act, they are governed by the rules and not allowed to report something negative like that. the past two times they have stated they would check into it and have someone get back to us. Recently we applied for an equity loan and was turned down because of our payment history from the mortgage company. With a forbearance in place and after the modification we signed with them they have continued to show and report negative remarks from our past history and from our late fees and account issues from the forbearance time. they see in their system that we signed the forbearance agreement however they didn't follow the rules on their side. I have done the research and found that they have done this to several other clients also.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE NAT'L CR MGT Account Number : XXXX Delete this account.

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 2023-10-13 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
Response to CFPB complaint presented False and misleading statements made by Bridgecrest representative without confirming initiation of a transaction no made by me. Bridgecrest actions is in violation of defamation making a claim without evidence of statements made on XX/XX/2023.

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 2023-10-13 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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
" XXXX XXXX '' OPENED XX/XX/XXXX FOR {$210.00} " XXXX XXXX XXXX '' OPENED XX/XX/XXXX FOR {$270.00} " XXXX XXXX XXXX '' OPENED XX/XX/XXXX FOR {$410.00} " XXXX XXXX XXXX '' OPENED XX/XX/XXXX FOR {$470.00}

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 2023-10-13 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: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
" XXXX XXXX '' OPENED XX/XX/XXXX FOR {$210.00} " XXXX XXXX XXXX '' OPENED XX/XX/XXXX FOR {$270.00} " XXXX XXXX XXXX '' OPENED XX/XX/XXXX FOR {$410.00} XXXX XXXX XXXX XXXX '' OPENED XX/XX/XXXX FOR {$470.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I made a hotel reservation in XXXX XXXX, CA through XXXX on XXXX using my Citi Costco credit card on XX/XX/2023 ( see the confirmation email PDF ). When I arrived at the hotel around XXXX on XX/XX/2023, the front desk told me they had not received the order from XXXX because XXXX was not an authorized partner of the hotel, and therefore could not offer me the reserved room. She also told me that several customers who had reserved through XXXX had the same problems in the last few days. Without any hope of resolving the issue on site, I had no other choice but to give up the reservation. 

I filed a dispute with Citi for a charge back of the reservation ( case number XXXX ). On XX/XX/2023, Citi notified me that the dispute has been denied but XXXX claimed that ( 1 ) I did not contact them on XX/XX/2023 to resolve the issue first per their Agreement and ( 2 ) I signed for receiving the reservation. The temporary credit applied by Citi will be reversed shortly. 

The claim by XXXX  is completely false because I called the customer service number of XXXX  immediately around XXXX on XX/XX/2023 to resolve this issue. ( see screenshot of my call history on XX/XX/2023 ). But no one answered the phone. Furthermore, XXXX failed to show the signed receipt from the hotel on XX/XX/2023. The signature it showed was for the online reservation on XX/XX/2023. 

This complaint against XXXX  is filed concurrently with Federal Trade Commission for business fraud.

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 2023-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson Capital System , Inc. purchased the debt and failed to provide notification and the original signature for the said debt. A verification of the debt along with licensing to collect the debt in the State of Florida was requested. Jefferson Capital System , Inc. failed to verify the account.

Jefferson Capital System , Inc. is also not authorized, and or licensed to collect any debt, in the State of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I opened up a BMO Relationship Checking account. The account opening was successful, and I was able to create an online username/password. I was able to successfully log in and see my account number. To open, I was required to deposit {$25.00}, which I instantly did. 

On XX/XX/XXXX, I was able to log in to my online account, but my Relationship Checking account had disappeared. I called IT support, and they said they could not find my account ( I unfortunately forgot to write down my account number on XX/XX/XXXX ). I was able to confirm with the applications team that my account was successfully opened, and that I needed to wait XXXX business days to get it processed and for it to reappear online. 

On XX/XX/XXXX, I was no longer able to log in to my online account. It said that I had the wrong username/ password, and when I tried to reset with my social security number and email, it said that the information didn't match. 

On XX/XX/XXXX, I went into my local XXXX branch. The XXXX representative could not find the account in her system, but she was able to call in to the same applications team from XX/XX/XXXX. They told her that there was some technical issue that was causing problems, and that they could not release my account number. The BMO representative told me to wait another XXXX days to see if the technical issue had been resolved. 

The following week, I received XXXX letters in the mail. The first was to activate my debit card, and the second was an account statement for the period between XXXX, which confirmed my {$25.00}. On the statement, I received my full account number. I was unable to activate my debit card via the automated phone line, and was transferred to a representative, who then told me to go into the branch to resolve the issue. 

On XX/XX/XXXX, I made another trip to the BMO branch with these XXXX documents in hand. Still, the BMO representative could not find my account, and the BMO representative called their back office. The back office instructed her to create a work request internally to get a resolution to this issue, and that they would investigate and get back to her within XXXX business days. 

I am writing to you today, on XX/XX/XXXX, still unable to log in online, with no access to my account or debit card. The BMO representative never contacted me, and it has been over a month with no access to my account, nor the funds inside.

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 2023-10-13 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: IL

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2023-10-13 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 am currently on hold to speak to a live agent with Nelnet. I called the customer service phone number XXXX at approximately XXXXXXXX XXXX  on Friday XXXX XXXX XXXX It is now over 2 hours on hold to speak to an agent and I still can not reach someone. 

I have screenshots taken as I am creating this complaint. I can not continue to wait for an agent to respond. I am unable to discuss my options with my servicer. I have added the screenshot, and I have call logs available upon request from my cellular phone company.

Company response to consumer: Closed with explanation