vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BMO BANK NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This complaint regards BMO Bank checking account XXXX. I opened it on XX/XX/23. I had trouble setting it up, with XXXX, separate, {$100.00} deposits. I was eventually referred to XXXX XXXX of BMO. Her number is ( XXXX ) XXXX XXXX. 
Eventually, the {$200.00} did show up on my account, but there is a block on my account allowing me neither to transfer money in nor out of my account. In addition, I have been charged XXXX, $ 25 monthly fees while trying to close the account. I have left XXXX XXXX numerous voicemails over the past 3 months, none of which have been returned.. This week, I started from " scratch '' and called customer service, and was switched to several different representatives in different departments. None were able to lift the block. Finally, after XXXX minutes, my call was routed to XXXX XXXX, for whom I left another voicemail, to no avail! 
Please have BMO restore my {$50.00} in fees, and have the block on my account lifted so I may transfer my {$200.00} out and close my account. 

Thank you, XXXX XXXX ( XXXX ) XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-09 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: IL

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
Santander Consumer USA has continuously " rebirth '' the account/loan information. The account was listed in a Bankruptcy - The creditor is in violation of the FCRA- this is not an active " open '' account. The account was charged off over 6 years ago - Santander Consumer USA has listed the old account as NEW with a open date of XX/XX/year> The account as charged off as a " bad debt '' /profit and loss write-off. The creditor has repeatedly ignored the disputed accuracy of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: IL

Complaint narrative:
These inquiries do not pertain to me, and I did not authorize them. I request their immediate removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 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:
I did not initiate these accounts, and I believe they are fraudulent. I request that you investigate and remove them from my credit report. I have provided supporting documents to substantiate 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 2024-02-09 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:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of anxiety and distress, and I am pleading with you to remove them 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 2024-02-09 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: WI

Complaint narrative:
On XX/XX/XXXX I submitted the Income Driven Repayment paperwork to MOHELA. I ended up making a payment on XX/XX/XXXX that was not updated to reflect the new IDR. When the next payment came up for XXXX, I reached out through a phone call with the customer service department to check on the status of my application. They placed my account in a month long administrative forbearance to give my application more time to process. When the XXXX payment came due I called MOHELA again on XX/XX/XXXX. They stated that my application did not process because I was switching IDR plans and there was a {$5.00} service charge. That charge had recently been waived for any person in this situation so they were going resubmit my application without that charge and things would be processed. My account was placed in another administrative forbearance. When I looked for updates on my account in kept showing that it was still " Pending Income Driven Repayment Plan Request. '' When the XXXX payment was coming due and no update to the plan was made, I called MOHELA again on XX/XX/XXXX and was told that my application was cancelled and never resubmitted. Through a 2+ hour phone call, they resubmitted my application for my IDR. On XX/XX/XXXX, I received an email stating it could take up to 90 days to process this application. My payment is again coming due and since this has been an ongoing issue to process my application, I am wondering what steps I can take to make sure that this is processed. I want to begin making the appropriate payments so I can move forward in my public student loan forgiveness payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have sent numerous correspondences to several departments that have been ignored. As servicer for the account, Discover is supposed to settle the account balance accordingly every month after receiving my endorsed instrument, then communicate certain instructions to their Indenture Trustee, per the Trust indenture. Discover still has not credited my account via the electronic funds transfer act for the dividend payment that it made from the Treasury Coupon. I have followed all instructions in the Trust Indenture for instrument endorsement and delivery / notice. Furthermore, Discover sent a letter regarding closure of my account for no reason. This is being taken as an adverse action that I do not agree with. As it stands, I provided Discover with receivables / assets of value that were sold to its XXXX and then sold and pledged to its XXXX. Generally accepted accounting principles state Anything accepted by the bank as a deposit is considered as cash. Therefore, Discover deposited the receivables for CASH VALUE from the Treasury, and has not returned anything back to me of value or properly credited my account. This signifies fraudulent conveyance, violation of their trust indenture and fiduciary duties, and an uneven exchange. Per the prospectus, my receivables are being used as a significant source of funding to support the Banks business, including supporting the notes the Trust issues to investors. I have allowed the Bank to do so with no adverse action, but as a beneficiary I should not have to bring this to their attention. They should abide by their prospectus, trust indenture, XXXX, XXXX, and other forms on file with the securities and exchange commission regarding their fiduciary duties. Valuable consideration was taken through my receivables, and it has not been provided back to me. My current card should remain open and usable, and the account properly settled. If Discover remains in violation of their fiduciary duties, I will have no choice but to open claims with ALL of their regulatory agencies for these violations, file a suit in XXXX  XXXX XXXX, and file Form XXXX naming the Bank and all affiliates listed in the prospectus that have handled my receivables. I also expect to receive the contact information for the proper department to ensure my account is taken care of accordingly. I pray these matters will be handled in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: VA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 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: VA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: MI

Complaint narrative:
Disputed account with Discover, let them know it wasnt mine, asked for an itemized list to explain to them that I was a High school XXXX XXXX XXXX and the account was opened by my father. They refused to fix the mistake and instead reopened the account and pushed the credit limit to its max well pass the original amount. Then told me to dispute new amount. I disputed the new amount and they again increased it. The account was previously closed and they moved it to an open credit card to further hurt me score

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: NY

Complaint narrative:
I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-02-09 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: CA

Complaint narrative:
XXXX XXXX is currently under litigations as a result of the company mailing missing statements from original debtor failing to prove the claimed amount of {$1600.00}. The original debtor ( XXXX XXXX  ) credit limit was {$300.00} therefore, XXXX XXXX has illegally added fees to increase the amount due. I have filed several disputes with Experian and they have failed to remove this collection due to false information being reported 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 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I called XXXX XXXX and told them I would like an extension to pay my XXXX and XXXX payments and they granted me an extension until XX/XX/2024 ( see attached ).

I paid both payments on XX/XX/2024 ( see attached ) and they have reported me 60 days late to all 3 credit bureaus and more score has dropped 40+ points as a result ... just a the time I am trying to re-fi and take some cash out, which I do not qualify for anymore as a result of theirs actions about this extension!

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 2024-02-09 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:
It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from 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 2024-02-09 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: IL

Complaint narrative:
It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from 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 2024-02-09 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:
These inquiries do not pertain to me, and I did not authorize them. I request their immediate removal from 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 explanation
Consumer complaint received 2024-02-09 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: IL

Complaint narrative:
These inquiries do not pertain to me, and I did not authorize them. I request their immediate removal from 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 2024-02-09 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: MO

Complaint narrative:
Impossible to be still working on the issue, I JUST MADE ANOTHER ON TIME NEVER LATE PAYMENT TO XXXX SO WE ARE CLEAR I HAVE MADE 21 CONSECUTIVE ON TIME NEVER LATE PAYMENTS TO XXXX AND YOUR FRAUDULENT CROOKED COMPANY WEBSITE SAYS MY LAST PAYMENT TO XXXX WAS XX/XX/2022 BUT YET THIS FRAUDULENT CROOKED COMPANY OWN WEBSITE SHOW NEVER STOPPED PAYMENTS AND TRY TO NEGOTIATE A LOWER PRICE AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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 2024-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I contacted Comenity Capital Bank to inquire about an increase in my balance. My previous balance was {$1300.00}. Comenity Capital Bank responded on XX/XX/XXXX and indicated that my promotional plan expired and that I accrued a finance charge of {$1400.00}. On XX/XX/XXXX, I offered to pay the entire balance prior to the promotional plan ending. They told me to check my statements. I informed them that I have not received a statement via email since XX/XX/XXXX. The last statement was sent under the email XXXXcomenity.XXXX. They responded by saying that an email was last sent on XX/XX/XXXX. Upon checking and filtering my emails for statements, the last email sent was on XX/XX/XXXX under the email XXXXcomenityXXXX XXXXhat was the last email sent by the same company with XXXX different email addresses.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: GA

Complaint narrative:
Ive called and talked to Salle Mae over a hundred times about lowering my monthly payments. They take down my financial information and tell me that theyre trying to help, however they tell me what I can afford without considering what I actually can afford to pay them a month. They tell me that its their best program however, they expect me to pay what they want to each month without considering my everyday expenses. They are a money hungry company and I advise everyone to stay far away from them. When you call, you never talk to the same person and it becomes your fault even though you tried to contact the right person but they just report you to the credit bureau. They

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). NASA FEDERAL CREDIT UN is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EXPERIAN by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).

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 2024-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: OR

Complaint narrative:
I have been getting harassing and threatening letters from Nelnet for over a year. They will not help me gain access to their online portal, provide a description of the charges that created the debt, or even what the total debt is. They will not provide me with a way to even view the debt.

Company response to consumer: Closed with explanation