vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Saw an offer to open a new business account with Citibank and receive from XXXX to XXXX depending on the amount of money deposited into the account for three month average. I wanted to transfer my money from XXXX XXXX to Citibank business account but of course I had accounts payable had to order new checks and change some information with my accountant and credit card processor which took a few weeks. The banker said I would have time to transfer it from XXXX XXXX. It was a lot of work to transfer to citibank. After 4-5 months I noticed I had not received any bonus at all. When I approached a banker, he said, sometimes it takes extra time. 
Then a couple of months later, I was interested in opening a CD and brought it up again, and wanted them to look into it in more detail. Now this is nine months and I was supposed to receive it after 90 days. This time they said that they didnt put in the proper promo code or something, and they had to find that code, but they were having trouble finding it. 
Then I talk to a bank manager, XXXX XXXX XXXX, in XXXX, Connecticut at the branch that I opened it. He said there was a dispute put in. He called me once at work when I was very busy and I told him Id call him back and he has not responded to any of my phone calls or emails since then its been a few weeks now I went into the branch and talk to a banker, but he was not there. 
It honestly feels like to me that they purposely do this and just hope customers forget about it because theyre so busy with their business and get frustrated and quit pursuing it. They know all the aggravation it would be for me to take my money out now and change back to a different bank. I bet if you surveyed all of the people who signed up for this promo, many of them did not get any of their bonuses, and I would suspect a class action lawsuit could be filed.

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 2023-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Cascade Capital, LLC
State: TX

Complaint narrative:
I sent a debt verification letter to the company working on their behalf ( XXXX XXXX XXXX ) on XX/XX/2023 that was never responded to! I also sent another on XX/XX/2023. Both went unanswered. I have never received a debt validation letter, any form of written communication, or proof of this debt UNTIL XX/XX/2023. WHICH IS ILLEGAL AND IN VIOLATION OF MY RIGHTS AS A CFPB RED CONFIRMED OVER THE PHONE. THE DEBT NEEDS TO BE REMOVED BECAUSE THEY DID NOT RESPOND FOR NEARLY 60 DAYS. RESPONSES MUST BE WITHIN 30 DAYS TO BE LEGAL. It claims it was opened in XXXXXXXX XXXX XXXX, but this debt did not appear on my credit report until late XXXX. This is completely illegal and against my rights. They suggested I pay 50 % of the bill to have this deleted. IT MUST BE DELETED BECAUSE OF LACK OF TIMILY COMMUNICATION. THERE IS NO OTHER RESOLUTION THAT IS WITHIN MY LEGAL RIGHTS. 

The validation letter was sent to an address in MARYLAND which is not my address, not to my home in GEORGIA where I was a permanent resident. THIS IS ILLEGAL ON BEHALF OF CASCADE CAPITAL FUNDING , LLC. 

Where is the itemized bill? The PROOF that this debt is mine? The LEGAL right to dispute? THIS IS ILLEGAL.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
portfolio recovery calls me every single day while I'm working as well as after, tried disputing with them and stated it was harassment, still continuing to call repeatedly. they even called my parents trying to reach me, they were never listed on the credit card that they purchased the collection account of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XXXX I received a text and email stating I must provide my IRS information for verification purposes to Discover Card Services. My Discover account is an individual account non joint with no other account holders. I was told that my account would be closed if I did not provide my IRS file information which includes my spouse 's information. He is not on the Discover account which would make it illegal to request an individuals information that has no relationship to Discover. We file joint tax returns. My Discover account is not and has not ever been delinquent or a joint account. At the time of application before approval I assumed that they would verify information before extending credit. This illegal demand would be harmful to my credit profile if they closed my account as they state they will be doing if I do not provide my IRS information, I have no joint credit accounts with my spouse and depend on my credit profile. Discover not be able to report any negative data to any credit reporting agency if the account holder is not delinquent. When I contacted Discover over the phone they insisted it was to confirm my identity not to have access to my and my husbands financial data. They have a right to verify mine but do not have a legal ight to verify any persons that did not request credit from Discover. In addition they are utilizing a 3rd party, XXXX XXXX to submit the 4506-T form to the IRS. XXXX has had several Data breaches in the last three years that have affected me personally. A third party that can not provide an assurance of privacy is not a way to verify my information or millions of other Discover card holders. Something needs to be done to stop this illegal practice. I have not received a response to my written or verbal request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 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: MI

Complaint narrative:
On XX/XX/23 my husband applied for a loan consolidation, and a IDR. Im student aid.gov. They are still showing in review yet. They have already been consolidated to the new lender, which is ED financial. The IDR is also showing still in review it is affecting our mortgage and our family could end up homeless unless Ed financial gets this fixed. I have tried to contact ED financial on several occasions and on XXXX occasion it said XXXX minute wait time and I waited XXXX hours on hold and no one answered the call. Another time it said XXXX minutes wait time and no one answered the call. I sent an email and no response, the chat never works it always says no one available goodby. I was told by student aid. Gov the only way to get this resolved is to get a hold of the lender yet there is no way to get a hold of ED financial I have even tried social media pages to see if I can get them to respond. XXXX suggestion the federal aid.gov had after talking to multiple people was maybe try to file a new IDR. For XXXX we dont have the time to wait for a new one to be processed since we have been waiting for months for the other one to process literally we are within days of our mortgage being rejected and out on the streets, not only that we can not file XXXX while XXXX is still being processed. I dont understand why someone cant just help us. Why would the government allow a lender that is unreachable?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
XXXX, Credit Acceptance and XXXXXXXX XXXX XXXXXXXX got a judgement against me for {$15000.00}. They never received funds, because I was not working to be able to afford them to take wages from me. The judgement disappeared until XXXX. They came after me for wage garnishment, and I believe they received a few {$15.00} payments from XXXX, even tho I wasn't making enough for them to take anything. 
I left XXXX and went to XXXX at the end of XXXX. It's now XXXX and they are now just coming after me again. I am so over this zombie debt! Credit Acceptance is very predatory. They need to be stopped!

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 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I am writing to bring to your attention certain violations of my rights under the Fair Credit Reporting Act ( FCRA ). 

Right to Privacy : As outlined under 15 USC 1681, Section 602 of the FCRA, I have a fundamental right to privacy. I believe this right has been infringed upon.

Furnishing of Information : According to 15 USC 1681, Section 604 A, Section 2, a consumer reporting agency is prohibited from furnishing information about my account without my explicit written instructions.

Late Payment on Credit Card Account : Under 15 USC 1666 B, creditors are not permitted to consider a payment on a credit card account under an open-end consumer credit plan as late for any reason. 

Given these apparent violations, I kindly request an investigation into the matter to ensure my rights are protected and any necessary remedial actions are taken.

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 2023-09-14 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I am writing to formally lodge a complaint against Nelnet, the servicer of my student loans. I am deeply concerned about the mishandling of my recent student loan payments and the lack of clarity and transparency in Nelnet 's communication. 

Here is a detailed account of the events leading to my complaint : On XX/XX/2023, I made a substantial payment of {$77000.00} towards my student loans. The payment was intended to pay off loans in groups AA-AE, as indicated by Confirmation # XXXX. 

Despite my significant payment, I noticed on or around XX/XX/2023, that Nelnet was displaying loans in groups AA-AC as paid off, with an outstanding balance of {$33000.00}. However, loans in groups AD-AE, with an outstanding balance of {$43000.00}, were not marked as paid. 

In an attempt to resolve this discrepancy, I placed a call to Nelnet on XX/XX/2023. During this conversation, I inquired about the status of loans in groups AD-AE. I was informed that my " payment would be allocated '' within two weeks. 

Today, on XX/XX/2023, I contacted Nelnet once again to check the status of loans in groups AD-AE. Unfortunately, after three hours on the phone, I received the same response, both from a representative and a supervisor, stating that there was no timeline for my " payment to be applied. '' This lack of transparency and accountability is causing me considerable distress. 

I would like to bring the following issues to the attention of the Consumer Financial Protection Bureau for investigation : Delayed Payment Allocation : Despite my payment on XX/XX/2023, Nelnet has failed to allocate my payment correctly, causing loans in groups AD-AE to remain unpaid. 

Lack of Transparency : Nelnet has provided inconsistent information regarding the timeline for the allocation of my payment. The absence of a clear timeline is unacceptable and creates unnecessary uncertainty. 

Customer Service Experience : The customer service representatives at Nelnet have been unable to provide me with a satisfactory resolution or clear answers regarding the status of my loans, further exacerbating my frustration. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that Nelnet rectifies the situation promptly. I expect Nelnet to accurately allocate my payment and provide a clear timeline for the resolution of this issue. Additionally, I urge the Bureau to hold Nelnet accountable for its actions and ensure that such discrepancies do not occur in the future. 

Thank you for your prompt attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue and protect the rights of student loan borrowers like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
A restaurant who uses JP Morgan Chase as their bank issued a refund to me using Chase Payments. Chase Payments is a mobile and web-based tool that provides companies the ability to pay their customers using an email address. Chase Payments allows customers to accept payments electronically from any company that uses Chase Payments. The restaurant, nor JP Morgan Chase tell you up front that you are opening an online Chase wallet when you register with Chase Payments to electronically receive the payment from Chase Payments into your own bank account. Once you register and create the account, it's too late. There is no way to close the account. I read the Privacy Notice, Terms of Service, and called their customer support line for Chase Payments multiple times. There is no information to the consumer on their right to close this online wallet or how. When you call their customer support they say they have no idea. So, I now have an online wallet with Chase that I do not want and can not close. Had I known this was an online wallet I would never have registered to receive the payment. Consumers should know up front that they are creating a wallet when they register for payments through this service. There should be an option under the profile area of this wallet that allows a customer to delete the account. I want this wallet deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: AmerAssist A/R Solutions, Inc.
State: CA

Complaint narrative:
This debt is from a dental office ( XXXX XXXX ) Where I visited multiple times to fix a problem by procedure, with 3 visits they still did not fix the problem, I let them know I am paying for a procedure that is not fixing the issue. They did not notify me they would place this on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
the junk debt buyer has illegally accessed my credit report and has failed to provide the validation of debt. The junk debt buyer was given all access to my credit report without permissible purpose. I sent the junk debt buyer validation of debt, certified mail. The Junk debt buyer retaliated by threatening a lawsuit against me, as well as increasing the debt collection calls as well as failing to skiptrace and lookup my phone number on the donotcalllist.gov website

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I XXXX XXXX examined my credit report and found that a late payment dated XX/XX/2023 from State Employees Credit Union. 

According to law Title 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) ; Rule of Construction, it states a " " consumer report '' does not contain information solely as to transactions or experiences between the consumer and the person making the report ; ''. A credit note or a late payment is considered a transaction ''.

Account Name : State Employees Credit U Account Number : XXXX Please Remove this Credit note/transaction. It is illegal and it is affecting my credit worthiness. I never signed my WET SIGNATURE nor gave State Employees Credit Union WRITTEN INSTRUCTION to report information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XX/XX/23, I filed a CFPB complaint against Chase bank because they would not release the funds from my closed checking account. The ID for my initial CFPB complaint is XXXX. Subsequent to my initial CFPB complaint ( via numerous phone calls to Chase 's fraud department and trips to my local Chase bank ) and in my initial CFPB complaint, I explained many times to Chase bank that the money in my account was rightfully mine based on the evidence I had however in the end, Chase bank would not accept any other remedy other than requiring me to obtain an affidavit from an attorney. Because this was non-negotiable, I had to spend approximately {$1900.00} + {$190.00} ( initial consultation ) to get the affidavit. Afterwards, Chase bank did ultimately release my funds which proved the funds were rightfully mine the entire time and as such exonerated me from any perception of wrongdoing. I did not give the attorney any information that was different from what was available to Chase therefore Chase placed an unneeded and unnecessarily burden on me for no legitimate reason. As such, I am demanding Chase bank reimburse me for the total amount of {$2100.00} for lawyer fees that I had to pay out of my pocket. I am offering Chase the opportunity to settle this matter before I pursue further litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
I used to use the app XXXX. A while back, I started a chat with another anonymous user. They posed as a younger woman in need of cash. They provided their cashapp and I sent them {$30.00} in good faith on XX/XX/2023. Their cashapp is $ XXXX. Only after remitting payment did I realize it was a business account. No goods or services were exchanged. As such, Id consider this a scam at best and a potential money laundering scheme at worst. Cashapp support was only able to provide me with a generic complaint form reporting the account as a scam with no further context. I pursued this further with their chat support only to be given prefabricated responses that did not address the concern in any meaningful capacity. I dont need the money back, just reporting for the sake of other consumers and a belief in the greater good.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
On XX/XX/XXXX I sent a letter to Chrysler Capital stating that I wanted to discharge the debt on due to lack of full disclosure and financial hardship. I also requested a copy of the terms of the loan agreement including any clauses that may be in violation of consumer protection regulations which they have not provided yet. I do know by law that the have 30 days to respond so I'm expecting a response from them in the next week or so. the problem is I assumed that all of the alleged monthly payments would be deferred and would not be subject to any late fees or violations until the matter was resolved. There has been a late payment for this account reported to the credit bureaus and has negatively impacted my credit score. I believe this does not show an accurate depiction of my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I am writing to file a formal complaint regarding a dispute I raised regarding an account on my credit report. Despite my efforts to rectify the issue, the account has been inaccurately verified by the reporting agency. I am seeking your assistance in rectifying this matter. 

Account Information : PORTFOLIO RECOV ASSOC XXXX XXXX Under the provisions of 15 USC 1681 a2 and 15 USC 1681 s2, it is my understanding that I have the right to request the information that the reporting agency received from the creditor in response to my dispute. However, when I requested this information from the reporting agency, they failed to provide it.

I firmly believe that the account in question has been incorrectly verified. I respectfully request that you conduct a thorough investigation into this dispute and take appropriate action to ensure the accuracy of my credit report.

I understand that it is within your authority to compel the reporting agency to provide the information they received from the creditor as part of their verification process. This information is crucial in demonstrating the accuracy or inaccuracy of the reported account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There is a closed XXXX account report on my credit report Ive never used or had XXXX XXXX and I never lived at the residents the account is attached to its 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 non-monetary relief