vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-18 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: NY

Complaint narrative:
I filed the same complaint XX/XX/XXXX, under complaint number XXXX. Recap, both XXXX and Equifax continues to report the error. XXXX XXXX has reported three late mortgage payments, which took place during the Cares Act forbearance period, and signed into law XX/XX/XXXX. I have 2 mortgages and a HELOC. In my first complaint the error was made in mortgage # 1 and to remedy the error the bank has moved the error to mortgage # 2. Neither mortgage or HELOC should have recorded delinquencies during the forbearance period. The error has resulted in a decline of my credit score and the reduction of lines of credit available to me, in several accounts. Why is the bank permitted to play XXXX? This error has resulted in a financial hardship to me and continues. Please address with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: VA

Complaint narrative:
XXXX XXXX ACCOUNT # : XXXX PXXXX XXXX XXXX  IS IN VIOALATION OF INVADING MY PRIVACY, THEY HAVE MY INFORMATION AND I NEVER DID BUSINESS NOR SIGN A CONTRACT WITH THEM. 

AND CREDIT REPORT IS IN FULL VIOLATION 1. ACCOUNT ACTING AS A CHARGE OFF & COLLECTIONS AT SAME TIME 2. WRONG DATE OPEN & NO CLOSED DATE 3. PAYMENT HISTORY, ACTIVITY STILL OCCURING EACH MONTH AFTER ACCOUNT CLOSED

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 2023-10-18 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: VA

Complaint narrative:
XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXX IS IN VIOALATION OF INVADING MY PRIVACY, THEY HAVE MY INFORMATION AND I NEVER DID BUSINESS NOR SIGN A CONTRACT WITH THEM. 

AND CREDIT REPORT IS IN FULL VIOLATION 1. ACCOUNT ACTING AS A CHARGE OFF & COLLECTIONS AT SAME TIME 2. WRONG DATE OPEN & NO CLOSED DATE 3. PAYMENT HISTORY, ACTIVITY STILL OCCURING EACH MONTH AFTER ACCOUNT CLOSED

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 2023-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Payment ( {$1200.00} ) sent via XXXX XXXX  bill pay on XX/XX/XXXX and tracked that Select Portfolio servicing received payment on XX/XX/XXXX ... ..On XX/XX/XXXX I spoke with XXXX  XXXX and confirmed check had been received by Select Portfolio Serv ... Spoke with mngr " XXXX '' at Select Portfolio on XX/XX/XXXX and he stated check had not been logged into system... ..I made another immediate payment of ( {$1200.00} ) on Select Portfolio 's website resulting in a {$5.00} charge ... .I requested a stop payment from XXXX XXXX on the XXXX but was informed it could take up to XXXX days to implement and was later informed that the original check was finally processed by Select Portfolio on the XXXX XXXX  XXXX!!... Because of the check processing delay by Select Portfolio Serv. a double mortgage payment was made!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: UT

Complaint narrative:
After trying to call Aidvantage for months and having to give up after waiting an hour on hold each time, I emailed them on XX/XX/XXXX to have them explain why my IDR payment amount was {$100.00} more than what the FSA calculator told me I should be paying. I never received a response from them, despite them telling me they would respond after two business days, and so I made my full payment as scheduled on XX/XX/XXXX. Today, my account is showing as past due despite the fact the money has already left my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: WI

Complaint narrative:
I first applied to change my IDR plan to the new SAVE repayment program on XX/XX/XXXX. 

I received an email on XX/XX/XXXX that Nelnet was processing my application and if they hadn't finished processing in 10 days, they would send a follow-up email to let me know. 

I did not hear anything from Nelnet so I sent them an email on XX/XX/XXXX to request information on my account. I had read on XXXX that sometimes Nelnet needed tax return/pay stubs to process SAVE applications, so I submitted those directly on their website in case that was holding my application up. 

On XX/XX/XXXX, Nelnet wrote back and said that there was no additional information needed from me and my application was still pending. 

On XX/XX/XXXX, Nelnet sent me a form via their website that indicated I was required to make a one-time Reduced Payment Forbearance payment to continue processing my application. The letter stated " The one-time Reduced Payment Forbearance payment amount you chose is. The payment is due on. '' ( no typos, there was no payment amount or due date indicated in the letter ). 

On XX/XX/XXXX, I wrote back to Nelnet and asked what my required payment and due date would be. On XX/XX/XXXX, Nelnet wrote back to indicate my payment amount of {$5.00} is due before XX/XX/XXXX. 

On XX/XX/XXXX, I made a {$5.00} payment on Nelnet 's website. My payment was processed but no changes were made to my account on Nelnet 's website. I wrote to Nelnet and asked if my application would be processed. I have not heard anything back and Nelnet 's website states now that I am in Standard Repayment and owe the standard payment on XX/XX/XXXX. 

Between all of this correspondence, I have tried multiple times to contact Nelnet customer service via phone. Each of these times I have waited more than 2 hours and have not been able to talk to a person. Nelnet is only available during work hours and I can't wait on hold for hours and hours at a time. It is unacceptable that I can't get answers to these questions anywhere - on my account, via chat, via email, or phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
I am a cosigner on my daughter 's student loan. I was not properly notified of 1 missed payment on my daughter 's loan. Navient claims they did their due diligence to contact me however, the email address they had on file was not accurate. I never received an email. They claim they mailed letters, I never received. They claim they called but did not leave any messages. I never received a phone call that identified as being from Navient. Navient put a negative rating on my credit report which dropped me from an XXXX to a XXXX. They refused to withdraw the negative report. As a co-signer, Navient has the responsibility to notify me properly before unjustly affecting my credit rating. As co-signer, I can't settle anything if I am not properly made aware. Navient has refused to withdraw the negative mark on my credit report and stated that I can file a dispute but won't guarantee that it will be overturned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: TN

Complaint narrative:
My student loans are due for repayment but I can't reach Nelnet. They are my loan provider. I have tried calling numerous times and have been on hold from 1 hr 30 to 2 hrs and I get hung up on after being on hold all that time. I'm trying to arrange for repayment but the servicer is not cooperating. I'm not able to handle the issue on line.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: PA

Complaint narrative:
XXXX XXXX XXXX account type : Collection/ unauthorized Account opened : XXXX Past due amount XXXX XXXX XXXX late payment As I expressed I have no acknowledgment of this account a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report. 
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
( 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 ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] Please remove this account!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Remove All Fraudulent Accounts Immediately!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I paid a merchant for a purchase made on XX/XX/2023. The bill amount was in XXXX, and the total amount was XXXX XXXX. PayPal 's buggy payment system charged me XXXX USD instead of charging the right amount after currency conversion. I contacted the merchant who is in agreement that PayPal did a mistake, and want the funds to be refunded to me. I tried contacting PayPal, and the phone line puts me on hour long waits with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
XXXX XXXX a cleared payment to Dovenmuehle Mortgage Inc was not transferred, refunded, returned, to new loan servicer nor third-party. 
I asked via email to OPEN INVESTIGATION and then contacted CFPB and Dovenmuehle lied again to me and CFPB stating XX/XX/2023 payment was returned to third-party and was NOT. 
XXXX XXXX a second cleared payment to Dovenmuehle Mortgage Inc was also not transferred, refunded, or returned to new loan servicer nor third-party. Dovenmuehle has also NOT PROVIDED ME WITH TRACKING INFORMATION FOR THE PAYMENTS THEY CLAIMED TO HAVE RETURNED, however the third-party is my representative and DOVENMUEHLE IS NOT PROVIDING CORRECT/VALID INFORMATION OF THESE FUNDS TO EITHER OF US... BUT DOVENMUEHLE HAS RECEIVED THESE FUNDS AND WON'T TRANSFER TO NEW LOAN SERVICER or third-party and provide tracking information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: MI

Complaint narrative:
I was a victim of identity theft, and I called XXXX XXXX and explain the reason why I should not have a late payment on my account. I was instructed by a respresentative of XXXX XXXX not to pay the XXXX credit card at the time I reported identity theft. Which that date was XX/XX/XXXX. I was in Arizona at the time the crime was committed. I was instructed by the police at the time to call all banks and credits cards and put a stop/lock on everything til the investigation was finish. once the investigation was over I went back to pay the XXXX credit card as normal. I thought XXXX XXXX understood the situation at hand, when I called this year of XX/XX/XXXX and reported identity theft with proof that it happened again is when I find out they reported a late payment.I don't understand what's the issue on a XXXX credit card of {$200.00} that is now closed. please all I ask is that the account be updated to show no late 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 explanation
Consumer complaint received 2023-10-18 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: IL

Complaint narrative:
Requesting block of information : account : XXXX 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 non-monetary relief
Consumer complaint received 2023-10-18 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: GA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: GA

Complaint narrative:
XXXX XXXX my Chime account was XXXX XXXX, {$200.00} from a XXXX XXXX. This individual was as able to get into my chime account and " HELP '' himself to my money! So I reached out to Chime and filed a dispute like they advised me to do so and within a couple of days, they put money back into my account. Then on XX/XX/2023, XXXX XXXX did it again for the same amount. So again, I notified Chime of the issue and filed a dispute and waited on my {$200.00} to hit. Well days went by and, nothing. So I called Chime and this is what they told me. We need more information from you and this came in a email to me. So I emailed back to Chime with no response from Chime on as to how this person gained access to my account?!?. Chime told me that they would reopen my dispute and have a different dispute representative look into my claim. I kept looking into my Chime account for the dispute to be reopened and surely they would put my money back into my account because he had done this before and Chime knows this isn't my doings. Days went by with no activity on my account as to a credit to the money missing so again, I called Chime and the same thing over and over. I even called XXXX XXXX and that was a JOKE to say the least. So I reached out to this person on XXXX XXXX, the person who XXXX XXXX  himself off my Chime account and HE ADMITTED IT TO ME Over MESSENGER!! I immediately contacted Chime and even sent them screenshots of the conversation that I and this XXXX XXXX has over messenger. I got a unsatisfied response from Chime, they didn't find any wrong doings into this dispute and denied it over and over again. Now what? I have proof of his wrong doings and he is tried to do it even a third time. Now what, I'm out and he still has my {$400.00}!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
Synchrony Bank amazon store card and JCPenny cards have both charged excessive late fees in the past month. I have a good history with both cards, and typically have paid the statement balances in full each month. However, because of out-of-town travel and mis-communication about returned products credits, I missed payment for both cards. 

I promptly made more than the minimum payments required once I realized the payments were still due. Regardless, {$41.00} late fees for {$32.00} minimum payments are excessive and unjust, especially considering the length of time and previous good standing of both accounts.

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 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I looked at my credit report and have inquiries on my credit report that i did not approve, authorized, or apply for.

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 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I looked at my credit report and have inquiries on my credit report that i did not approve, authorized, or apply for.

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 2023-10-18 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: NY

Complaint narrative:
So I was checking my credit report and i came across accounts that d not belong to me. I reached out to the credit Bureau. They told me to reach out to the XXXX which I did. I still have not receive any response about my dispute. 
The account does not belong to me. 



XXXX acct # XXXX Balance {$11000.00} I am requesting that the XXXX major credit bureaus XXXX XXXX Equifax and XXXX to cooperate with me on this. Please provide proof or delete immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CL Holdings LLC
State: WV

Complaint narrative:
XXXX XXXX XXXX was the original creditor. I took out a personal loan and used my title as collateral so secure the loan. I defaulted on the loan. XXXX XXXX XXXX sold my debt to Jefferson Capital, LLC. United States Code 18 Section 8 states that ALL BILLS ARE PAID! Federal Reserve Act 16 Section 1 and 2 tells you the application is the security collateral. I was duped from the start. I am demanding presentment to get my title because I am the registered owner. My loan was paid in full once XXXX XXXX XXXX sold the debt to Jefferson Capital, LLC therefore I am expressing my power and duty over my property ( my title ) and want them to admit their breach under the FOIA ( Freedom Of Information Act ). I am demanding Jefferson Capital, LLC and XXXX XXXX XXXX to provide me of all records of lien or perfected security interest in my title.

Company response to consumer: Closed with explanation