vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-14 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: MI

Complaint narrative:
Mohela student loans, SAVE program.

I am approved for the SAVE program and set up my autopay account with Mohela successfully. My date to start repayment on the student loans is XX/XX/XXXX and it appeared everything was all set to begin payments. 

On XXXX XXXX XXXX XXXX XXXX  Mohela sent me an email/message that I did not see until the morning of Saturday XX/XX/XXXX. It stated that my account had been placed on administrative forbearance. 

I did not request or consent to this forbearance. I have no idea why this happened. Mohela offices are closed and will not be open until regular business hours while I am at work Monday XX/XX/XXXX, the same day my payment is due. 

This is very confusing, distressing and inconvenient. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have tried to do everything right to prepare for loan payments resuming but was given almost no notice of this forbearance. Only one business day between notification of forbearance and when payment was due. This will likely result in additional interest accruing, for which I have not consented and seemingly have no way to rectify or get clarification from Mohela.

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 2023-10-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: CHRISTUS HEALTH
State: TX

Complaint narrative:
Please cease and desist. I am being harassed by Christus. I have repeatedly asked them to stop calling over an alleged debt. Please stop the harassing behaviors. Stop all contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Its a XXXX on my consumer report which Equifax keep stating that XXXX is report it. XXXX does not have a XXXX  on my consumer report. Equifax keep refusing to remove this off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
All the credit bureaus do nothing, check nothing, and could care less about my credit score. Why would they? Same goes for the CFPB! Waste of time and taxpayer money!!

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 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
All the credit bureaus do nothing, check nothing, and could care less about my credit score. Why would they? Same goes for the CFPB! Waste of time and taxpayer money!!

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 2023-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/2023 after setting my rewards to Home Improvement, which includes Appliances, I purchased an appliance using my Bank of America credit Card for {$860.00} From XXXX XXXX XXXX, IL. 

Few days later I noticed a 1 % had been given as a reward versus 3 % that was advertised ( which should be {$25.00} ). I called BOA on XX/XX/2023. The Service Agent told me I needed to go talk to the store on why they are using the wrong merchant code. No offer on a resolution, nor any sort of review of the account to confirm. I refused and requested the ticket to be escalated. The agent told me the ticket had been escalated and I would be contacted by a manager within 48 Hours. No call has since been received. 

on XX/XX/2023 I contacted BOA through XXXX, where I was told similar information. I also requested escalated resource on XX/XX/XXXX. I followed up on XX/XX/XXXX with no response. 

I have now reached out to the CFPB regarding this issue. 

I don't care if the store used the wrong merchant code. The fact its an appliance store should be enough evidence for a credit on the account. I don't need you to adjust the reward statement, but give a credit on the card statement for the remaining {$17.00}. 
BOA Should stand by its customers. Stop passing the buck. Stop making excuses. Stop hiding. Stop avoiding your customers. Honor your promise. Honor your rewards. Honor your dedication to customer service. Recognize it's more profitable to offer goodwill credit to a customer rather than die on this hill. The frustration should not be on a mom and pop store for setting the wrong merchant code, but rather the Credit Card company should recognize this was in error ( even if it's on the merchant side ) and offer a statement credit as goodwill to a customer. Also support agents should honestly have employee empowerment to offer some credit similar to what other companies can do. 

I request an account credit of {$17.00} on my BOA credit card ending in 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 2023-10-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Problems receiving the advance — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
on XX/XX/10 i called Capital One to ask if I could confirm if I qualified for their recent class action settlement because I was never sent an email or paper in the mail They then told me that yes I was eligible and notified via email but I never received the email they supposedly sent I asked if there was anything left for me to do They said no its too late & nothing can be done since I missed the deadline

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2023-10-14 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: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Notified Transunion that I received a fraud alet from another service I use and when I checked I saw 2 hard inquiries that were not mine ( fraudulent ) and to immediately remove them. They are : 1. XXXX XXXX XXXX on XX/XX/2023 2. XXXX XXXX on XX/XX/2023 I monitor my credit and these were shown to me on a fraud alert and I notified transunion and want them removed immediately.

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 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: NORTHWEST BANCSHARES INC
State: SC

Complaint narrative:
XX/XX/2023 Loan amount : {$39000.00} I purchased a vehicle from XX/XX/XXXX in Indiana in XXXX. After driving the vehicle for XXXX days, a catastrophic error occurred in the vehicle not due to me as the operator. Vehicle has been in the shop through the end of XXXX. In that time, XX/XX/XXXX in the general manager, XXXX XXXX sent me paperwork to sign for the buyback of the vehicle. During that time the date in which the initial payment was due on, the vehicle did not occur and I let XXXX XXXX know that it is past due. I was receiving phone calls from the collections department at Northwest bank and passed along the letters that northwest bank have been sending to me to XXXX XXXX atXX/XX/XXXX. His finance department was very unresponsive. They kept telling me it was being handled so the check never was sent to, Northwest Bank to buy out the vehicle from me. I had to threaten with legal action for them to finally send the check to Northwest bank in XXXX. I received a letter stating my vehicle had finally been paid off at the end of XXXX. This has negatively impacted my credit score due to the lack of urgency and competence at XX/XX/XXXX. I dont believe its right for me to suffer because of their poor customer, service, and lack of willingness to help. Documentation of the buyback clearly dated XX/XX/2023 is included in this claim in the letter from northwest bank in XXXX stating my payment still had not been made which was past the 90 day window. Please make this right for me.

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 2023-10-14 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: OH

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is 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 explanation
Consumer complaint received 2023-10-14 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: VA

Complaint narrative:
I contacted Equifax to remove these hard inquires from my credit file and Equifax refuse to remove it from my file. I did not authorize these hard inquires on my report and i explain this to Equifax as well as provided a police report. there are also accounts on my file that i do not recognize that i have asked to have removed from all three of my credit files. The inquires and accounts still remain on my credit file. Here are the inquires as follows : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14 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: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-10-14 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: VA

Complaint narrative:
The restarting of student loan payments has been a COLOSSAL DISASTER, and the fault lies on the XXXX, for not funding these servicers, and the incompetent servicers themselves. Im accruing about {$30.00} a day in interest and they are not processing my SAVE plan application, which would pause the interest, nor telling me when it will even happen. This is completely unacceptable. They have a massive conflict of interest because the more loans they service, and the longer, the more they get paid. I have Nelnet. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
this information is inaccurate and I keep providing proof and these credit XXXX  aren't doing there job to update this information, its stressing me out ... ....

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 2023-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
I found 3 accounts by LVNV funding LLC on my CRAs while I was trying to rent a home. I am still homeless because they refuse to respond to my debt verification letter, but continue to report collections to the CRAs, even after attempting to dispute the unverified debts several times

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
TransUnion refusing to correct personal information. My correct name is XXXX XXXX XXXX I sent proof of residency and Drivers license. TransUnion is reporting my name as XXXX XXXX XXXX and XXXX XXXX XXXX old addresses listed. XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, and XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. My correct address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Incorrect employers. Im self employed. 
XXXX is reporting incorrect names also. I have sent proof of identity to them as well. My employer and address are correct. 
XXXX has incorrect name and address. 
Proof of personal information has been sent to each Bureau. I have sent proof of personal information more than three times to each Bureau. Can you please help me to get my personal information straightened with each Bureau. Thank you in advance.

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 2023-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
There is an account from XXXX  XXXX XXXX that was closed in XXXX. XXXX  XXXX XXXX does not have me on their files. This information continues to show on my Equifax credit report. When I call their dispute center they claim that they can not read the dispute results that they themselves have sent to me. 
The account shows that it was in good standing and closed in XX/XX/XXXX, however it shows that there were three late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This is impossible because the account was closed in XXXX. The customer service that works in the dispute center refuses to help and they claim that they do not have access to my dispute information. If the dispute center does not have access to my dispute information then who does? How come they will not help me when the numbers clearly indicate an error?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14 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: GA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-10-14 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: GA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-10-14 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: GA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation