vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-30 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: CA

Complaint narrative:
I have been paying extra into my Nelnet student loan and interest is being taken out of the extra payments. These payments are paid after I pay my regular monthly payments. In one instance, I paid XXXX extra and XXXX dollars were put to interest. Another instance, I paid XXXX and XXXX dollars went to interest. I am trying to pay off the loan quickly but the servicer is XXXX  majority of those extra payments to interest. Both in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 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: MI

Complaint narrative:
Hey there! 

I hope this message finds you well. I just wanted to reach out and discuss an issue I've been having with a list of accounts. It seems that these accounts have violated my rights to privacy and confidentiality under the Fair Credit Reporting Act ( 15 USC 1681 ). 

I've already contacted Experian, XXXX, and XXXX on XX/XX/XXXX  to ask them to look into these accounts. 

However, they have informed me that everything is complete and accurate. I find this hard to believe, as there are discrepancies in the open dates, dates of last activity, and other important details. According to 15 USC 1681i ( 5 ), they should be making modifications to any accounts that are not reporting correctly. 

Furthermore, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is stated that no one should provide inaccurate information on to a consumer reporting agency. With this in mind, I kindly request that these items/accounts be removed immediately. 

I appreciate your attention to this matter, and I look forward to resolving this issue with your assistance. Thank you for your time and cooperation! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Warm regardsXXXX 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 explanation
Consumer complaint received 2023-12-30 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: SD

Complaint narrative:
XX/XX/XXXX - Message sent via Mohela 's internal message system XX/XX/XXXX - Message sent via Mohela 's internal message system XX/XX/XXXX - Message sent via Mohela 's internal message sysstem XX/XX/XXXX - Message sent via Mohela 's internal message system XX/XX/XXXX - Discovered studentaid.gov incorrectly shows in school XX/XX/XXXX - correct information - graduated XXXX started XX/XX/XXXXXXXX  A telephone call to studentaid.gov said to call Mohela XXXX Two telephone calls with Mohela. Reps name XXXX. She spoke to supervisor and was told " bringing it up with management '' and to give them XXXX days XX/XX/XXXX - Another message via Mohela 's internal message sysem XX/XX/XXXX Discovered there is a reconsideration process/application at studentaid.gov for incorrect payment count. I am missing 5 years of payments toward the count. Not once did Mohela or studentaid.gov mention this. 
XX/XX/XXXX - Message sent via Mohela 's internal message system asking why I was not informed of reconsideration process/application after almost a year of attempting to get help XX/XX/XXXX - Mohela replies apologizing and NOW they mention the reconsideration process after I finally found it myself and questioned why I was not told sooner

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Pavilion Payments US BuyerCo, LLC
State: NY

Complaint narrative:
This debt is not mine, and they have ridiculous service fees. Nobody contacted me prior about owing funds. This is out of no where and not my debt. Please remove ASAP. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I have tried to use this card numerous times and most recently at XXXX and XXXX on XX/XX/XXXX. It was declined for purchases under {$80.00}, but I still have {$110.00} on it. These transactions should have gone through. At this point I would just like a check for the amount of the remaining balance since this card seems to get declined everywhere now. They never have an actual human help over the phone for customer service. Its just automation and holding for no one to ever pick up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-30 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: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, These creditors have violated my rights under 15 U.S. code1681 section 2. I have the right to privacy.

Also 15 U.S. code1681 section 604a a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: CA

Complaint narrative:
XXXX This is the complaint i originally submitted to CFPB. 

I called XXXX on XX/XX/XXXXXXXX  to complain about my student loan balance. They showed a principal of {$12000.00} in loan XXXX. I explained I had taken out a balance of {$20000.00}. I asked if I could pay it in full at that date. EdFinancial looked at my loans and told me that loan balance was {$12000.00}. I requested a loan balance confirmation. I was told I could get one, and the operator told me that if the remaining loan balance was not showing I should let it go. I requested a loan balance confirmation which I received on XX/XX/XXXXXXXX  showing I only owed {$12000.00}. By XX/XX/XXXX I paid my loans in full, I paid XXXX before that date. I received a paid in full notice, which is reflected on the website. I had paid off all student loans in full. As of XX/XX/XXXX I received a notice that my grace period has ended. I looked at the notice and saw I had the {$8200.00} in my account, with the interest backdated and accruing. I was unable to pay off this principal and the interest for months. I had received a notice that I had paid my loans in full. On their website, they rescinded my paid in full letter for loan XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Transunion dropping my credit score for XXXX reason over XXXX points. I pay ALL my accounts on time and my cc usage is Waay under 10 %. Contacted them and they were NO help at all. Rep in XXXX was so unhelpful.

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 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Several times I've requested credit reports from Experian through XXXX They say there's a problem and give an address for mailing them a request. This is an impractical hurdle to getting the information, so I tried going through their website, experian.com. I successfully passed their security steps via text message, but when I followed the link they reported " Oops, we're sorry! We are experiencing technical difficulties. We have been notified and will actively work on fixing the issue. Please try again later. '' This has happened several times. Either Experian is deliberately putting roadblocks in the way of the free credit report or doing a very good imitation of that.

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 2023-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2023-12-30 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-30 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
After receiving my statement on my PayPal credit account in XX/XX/2023, there was {$5400.00} worth of charges in the amount of {$100.00} OVER AND OVER again. All from XXXX. I contacted XXXX and they told me to dispute directly with my PayPal account because I have fraud protection through them. I did that. However, after disputing all these charges they keep sending me a message of you participated or benefited from the purchases! I have had it re-looked at about 4-5 times now With the same resolution. These ARE NOT my charges! XXXX agrees they are fraud. Synchrony bank is who takes care of PayPal credit, so thats who is refusing to remove the fraud. Its VERY OBVIOUS fraud! They refuse to remove it. 

Also, when I noticed this statement fraud from PayPal Credit, I noticed 3 of my other cards were hacked and my bank account! All the same charge amounts of {$100.00}. My bank and these 3 other cards took the fraud off! Synchrony Bank is refusing to!

Im angry. Ive been just sick about it and feel helpless because they wont remove it! Ive made COUNTLESS phone calls and spoke to a ton of people to no avail. Ive asked for proof that shows them these charges are mine. Nothing. They keep telling me XXXX is confirming my email address on the charges. Well of course they have my email..my account was hacked!!

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 2023-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I have disputed this alleged debt with Lvnv funding llc. I have no recollection of this alleged debt. After repeated request for the following documents to validate this alleged debt, I have not received the requested documents and yet this item is still being reported to the credit agencies. These items include : 1. The original contract with the original creditor with my picture and my signature 2. The complete and unredacted purchase agreement showing when this alleged debt was purchased and how this alleged debt is somehow tied to me 3. Any and all payment history regarding this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 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: IN

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDE

R 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO
STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I discovered unauthorized charges on my account in XXXX, reported them promptly, and while I appreciate the initial efforts made by the bank, I am still facing a significant loss of approximately {$1000.00}. 

I understand that an investigation was conducted, and some funds were reimbursed. However, my subsequent claim, followed by an appeal, was denied, citing that the charges were not considered fraudulent as the card was in my possession during the period of unauthorized transactions. 

This reasoning seems perplexing to me, as the mere possession of the card does not negate the fact that these charges were unauthorized and unknown to me until XXXX. It challenges the essence of security and trust that customers place in their banking institutions. I am struggling to comprehend how, despite acknowledging the charges are not mine, they are not being treated as fraudulent. 

Additionally, I would like to draw your attention to the nature of the charges themselves. The names associated with these transactions, such as " XXXX '' and " XXXX '' appear highly suspicious and do not resemble legitimate businesses. It is evident that these entities are not genuine, and the frequency and magnitude of the charges further underscore their fraudulent nature. As a responsible account holder, I assure you that I would never knowingly engage in transactions with such obscure entities, and it is disheartening to see these charges dismissed as legitimate. Your reconsideration of this aspect would greatly contribute to a fair resolution of this matter. 

As a college student, every dollar is crucial to my ability to afford education. The financial strain resulting from these unauthorized charges is impacting my academic pursuits. I urge you to consider the gravity of my situation and the vital role these funds play in my ability to continue my education seamlessly. 

I have exhausted all internal avenues with the bank, and regrettably, my appeals for a fair resolution have been unsuccessful. At this point, I am left with no choice but to inform you that if my funds are not fully restored promptly, I will be compelled to file a police report regarding this matter. It is disheartening to resort to such measures, but I believe it is my only option to seek justice and recover the funds rightfully mine. 

I kindly request your urgent attention and a thorough reconsideration of my case. Your assistance in rectifying this matter promptly will not only alleviate my financial burden but also reinforce my trust in the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Grain Technology, Inc.
State: AR

Complaint narrative:
The account was paid in full to include an overpayment for the total amount. After the account was satisfied, I reached out to Grain to ask them for a refund for the overpayment. After several attempts to contact Grain for a refund of the overpayment, I contacted my bank and explained what happened. 
My bank refunded me the overpayment and notified Grain. After I was issued a refund from my bank, Grain contacted me to ask for the overpayment amount to be paid back to them I explained that Grain that my account with Grain was closed and paid in full, and that the website no longer gave me access to pay the amount that grain was requesting. 
This has resulted in Grain submitting negative reports to my credit bureau accounts for money that I did not owe them. I have repeatedly emailed Grain ( no one answers their phone lines ) to resolve this issue. On XXXX XXXX, after mailing the payment grain was requesting, I received an email from grain that the account was paid in full. However, today, XX/XX/2023, I received another email from Grain that there was a {$19.00} balance that i needed to pay. 
This company is a scam, and has negatively impacted my credit score. Their customer service has does nothing to assist me with resolving this matter they just keep asking me for more money, even after the account has been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have opened disputes with XXXX, XXXX and Transunion. I have informed all 3 that my Student Loan balance is XXXX ( XXXX ) dollars, paid in full, closed account with no payments due. They all continue to report a balance of {$180000.00} which is incorrect, the balance is XXXX. 
All dispute information was shared in XXXX of XXXX. 
I submitted paperwork from my lender/creditor ( XXXX ) to all 3 credit reporting agencies showing the loans as paid in full.

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 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have opened disputes with XXXX, Experian and XXXX. I have informed all 3 that my Student Loan balance is XXXX ( XXXX ) dollars, paid in full, closed account with no payments due. They all continue to report a balance of {$180000.00} which is incorrect, the balance is XXXX. 
All dispute information was shared in XXXX of XXXX. 
I submitted paperwork from my lender/creditor ( XXXX ) to all 3 credit reporting agencies showing the loans as paid in full.

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 2023-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: REGIONS FINANCIAL CORPORATION
State: SC

Complaint narrative:
ON TODAY XX/XX/XXXX  I TRIED TO OPEN TO BANK ONLINE WITH REGIONS BANK AND XXXX  XXXX AND XXXX XXXX, I WAS DENIED FOR THE ACCOUNTS, BUT I DONT HAVE ANYTHING IN XXXX XXXX AFTER PULLING THE REPORTS, PLEASE HELP 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 explanation
Consumer complaint received 2023-12-30 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: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UND

ER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO
STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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