vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: MD

Complaint narrative:
Initially requested proof of indebtedness, the responded with a payment history which is not proof of indebtedness. I gave my conditional acceptance statement and followed up by asked for proof that they are the holder of the original note. They responded by referring me to a link to a federal website where I can find my original promissory note. I asked that they send me a notarized letter on their letterhead saying that my note has not been purchased or sold and they responded by saying they can not provide me with what I asked for and again to refer to terms on my promissory note. The promissory note does not have my signature. 

They have been able to provide me with anything asked. All in all meaning Great Lakes is not the original instrument holder and according to truth in lending there are violations and illegal actions taking place. Only the holder of the original instrument can collect on it. 

My student loans need to be discharged immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
This company TRANSWORLD SYSTEMS INC said I owed {$10000.00} for XXXX XXXX and Tolls. They agreed to take {$2000.00}. I paid {$200.00} every week from XXXX? XX/XX/XXXX to XX/XX/XXXX. 
When I called to make the final {$600.00} payment, they came up with another figure that I owed them which was {$600.00}, they said I still owed {$1700.00}. I wasnt sureee but said ... Lets get rid of this debt. So the woman, XXXX XXXX, said pay {$1700.00} today, which I did and then every other week ( for 8 more payments ( pay {$200.00} every other week starting XX/XX/XXXX. I have already made 3 payments of {$200.00}, bringing my ( supposed ) debt down to {$1000.00}. 

Today I got a bill from them ( typical ) in the ammt of {$8200.00}. So they say they will give me these deals ( drop the total and pay an agrreed upon ammount but keep sending bills for a larger ammt. 

I no longer have a XXXX  I just pay the bills as they come in the mail ... ex. XXXX BY MAIL etc. These people are scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XX/XX/2022 my daughter who I share this acct with went on XXXX XXXX purchased a XXXX from XXXX XXXX  for XXXX XXXX told her her payment would not go thru on XXXX could she use XXXX or XXXX XXXX she used XXXX  I beleive XXXX XXXX with dollar sign see communication attached XXXX  could not help XXXX took money closed out her acct and shipped nothing. We went to bank they say transaction accured and XXXX keeps mony this fraud we filed police report and det wanted to talk to bank they said no way to contact disputed the are not refunding money because merchant will not return there allowing fraud to happen and debit card has zero responsibility td bank I dispute 2x with bank will not help us

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Credit Plus Inc
State: IL

Complaint narrative:
Last XX/XX/XXXX and XXXX, XXXX, I received notifications from my account in credit bureaus XXXX and XXXX, that Credit Plus through XXXX XXXX  XXXX has pulled my credit report. This inquiries made were not authorized by me. I did NOT / NEVER authorize them to pulled credit report in my behalf. I have sent a dispute Letter and has not receive any replied from Credit Plus and has not removed inquiries from credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
Hollway Credit keeps billing me for a service that I had insurance on file to cover. Its been reported since 2017. Mutiple incorrect spellings of my birth name and current address are still being shown on credit report after providing proper documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A.
State: KY

Complaint narrative:
My credit score has significantly decreased from over XXXX in XX/XX/XXXX to XXXX in XX/XX/XXXX ( an all-time low for me ) due to high credit card use. The root cause of the high credit card balance was an administrative delay by PNC Online Bill Pay. I scheduled a payment on XX/XX/XXXX. I called PNC Customer Support on XX/XX/XXXX because the payment had still not been processed. I was instructed by PNC customer support to immediately stop payment on the XX/XX/XXXX PNC Online Bill Pay payment and pay with a PNC Internal Transfer on XX/XX/XXXX. I was told this would be both the fastest method of payment and reduce the risk of a duplicate payment. I followed these instructions and took these actions. I was told the only way PNC could look into my problem was to write a letter to PNC Bank Consumer Credit Bureau Investigations. I did so on XX/XX/XXXX. PNC left a voicemail on XX/XX/XXXX that PNC would not be contacting the credit bureaus to fix my credit history. This problem impacts me, my wife, and my two sons since we share this credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A.
State: KY

Complaint narrative:
PNC included a free safety deposit box with my premium virtual wallet account when I opened my accounts about 15 years ago. This year, they are charging me {$88.00} with a payment due date of XX/XX/22.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Universal Envoy Corporation
State: MD

Complaint narrative:
Universal Envoy Corporation opened a fraudulent debt account. XXXX XXXX XXXX accounts receivable says there is NO debt owed to them by me. They also went further to say, this is not one of their debt collector agency they use.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: VA

Complaint narrative:
On XX/XX/XXXX i was approved for a forbearance by Atlantic Bay mortgage once my forbearance period was up ( XX/XX/XXXX ) Atlantic Bay mortgage sent me a partial document for XXXX but when the paperwork went through I noticed the documentation Atlantic Bay mortgage sent me had my beginning balance of {$180000.00} and a ending balance of {$190000.00} so I contacted Atlantic Bay mortgage several times about the error no one cared to investigate my claims so Atlantic Bay mortgage sold my loan to XXXX XXXXXXXX XXXX on XX/XX/XXXX so once Atlantic Bay mortgage told me I had to speak with XXXX XXXXXXXX XXXX about the situation and did I started the back and forth all over again so out of XXXX of my phone calls to XXXX XXXXXXXX XXXX I managed to I person to do some research and she sent documentation of how my mortgage account should be but didn't add it to XXXX XXXX XXXX  system so it still has an error on my account and credit I would just like to have this error fixed i have any documentation needed to assist with this long process. Below I've sent what te account with the forbearance included should appear within the principal balance at the moment it's added on to the principal balance and that's an error. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Credit reporting, credit repair services, 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act, US Department of Education/ account # XXXX, US Department of Education/account # XXXX, DEPT OF ED / XXXX- account # XXXX, and XXXX XXXX XXXX # ( not shown on consumer report, and only reported on XXXX ) have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
I signed up for a venmo account in order to receive a payment from someone. I received the payment. Whole waiting in line to receive the debit card venmo froze my account in claims that I may have violated their terms of service agreement. I not sure how I could have done so within the app due to the fact that the explanation for withholding my funds was only expressed in one sentence " Your account has been frozen. We believe you may have violated our terms of service agreement. '' I was attempting, in lieu of being able to use the account to pay for basic needs without at debit card, transfer money to a system that I already have in place in order to meet my basic needs as that was the purpose of money transfered to my venmo in the first place. Venmo has offered no explanation as to why I can not access my funds.Meanwhile, I sit here on the verge of losing basic needs such as a way to get to work, losing my job, not able to provide myself with nutrition, or self cares and pertinent medications that keep me healthy enough to function properly. My stability is hanging on by an accusation. This is financial no abuse. I am a vulnerable adult. I would explain this to Venmo but they do not afford communication in the opposing direction in order for me to accurately defend myself, which is also not ok. I will be making a report with the common entry point for a VA abuse investigation. Even if may have accidentally violated their terms of service, they should not, without proper explanation, giving me proper evidence and a way to defend my actions, be able to withhold my basic needs with a one sentence explanation as if I do not matter and not afford me the rights I am entitled to. They should not be able to stop me from meeting my basic needs or steal my money in order to " teach me a lesson. '' That lesson is resulting in my failure to thrive. I should at least be given the dignity to defend myself and not just treated like a reason for them to steal from me and not care that I'm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You don't mess with someones money without taking into consideration what that actually means. I have XXXX and this has mirrored past financial exploitation as well as triggered episodes of XXXX XXXX that has effected my ability to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I've been through the whole pandemic without one miss payment and nor have I asked the creditor for an extension. This past month, I totally forgot about a payment. I wasn't sent any reminder or anything. Well, Needless to say, I received an alert for from XXXX about a 30 day late mark on my credit file. I called the lender immediately to discuss and to let them know I can make the payment today and to please give me a removal courtesy. I satisfied the payment and there were no guaranteed of the removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have new and updated information concerning Equifax. Equifax has published a consumer report about me for an impermissible purpose; failed to conduct their required investigation in accordance with federal laws; failed to provide me with a comprehensive audit trail, including evidence of such required investigation ; and failed to delete items in accordance with my written instructions as the consumer. Equifax is in violation of my rights as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act, US Department of Education/ account # XXXX, US Department of Education/account # XXXX, DEPT OF ED / XXXX- account # XXXX, and XXXX XXXX XXXX # ( not shown on consumer report, and only reported on Equifax ) have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
My debit went into collections with Midland credit Management. The agreement was to pay 50 dollars a month on time, if not paid on time as agreed upon it will no long be valid and further legal action will be taken. The settlement of the agreement was 800 dollars as of XX/XX/2022, because of paying on time. Paid the 800 dollars in full in XXXX of 2022. Filed a dispute and contact the creditor and they stated it was paid in full and did not have to deduct 50 from my account anymore which they didn't which would have came out on XX/XX/XXXX but paid in full with a representative on XX/XX/2022. If account was not settled as agreed upon then why 50 dollars was not deducted from my account. Why because I met the agreement. When check my report they added the remaining amount to my report which is also incorrect would like this matter to be resolved. Have dispute this creditor on two occasions with no solution please look into this matter thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
The company XXXX made a deal with the property owner it would pay all the debts if I moved out by XXXX and I moved out and they still charge me {$1500.00} by making up stuff about apartment thought I overstayed charge me late fees fixer up fees Etc what they did is Criminal they make up stuff and lie about it and I have to pay for their criminal activities. I will not be taken advantage they should be charged criminally in court

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am a consumer by law this was not sent in error. my information was misused and I still have an account on my report that I have sent multiple letters and FTC reports in to be removed an account i recently sent was deleted but the other still remains, so what is being reported is not 100 % accurate. XXXX was removed but XXXX XXXX still hasn't

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 2022-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act, US Department of Education/ account # XXXX, US Department of Education/account # XXXX, DEPT OF ED / XXXX- account # XXXX, and XXXX XXXX XXXX # ( not shown on consumer report, and only reported on XXXX ) have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Team Recovery Inc.
State: OH

Complaint narrative:
I sent a debt validation letter to Team Recovery Inc off in XX/XX/2022 which was received by them by XX/XX/XXXX. I did not get a 30 day response back to validate the {$730.00} they say I owe in medical debt. It is now XX/XX/2022 and I still have not received anything back in the mail that I check daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was reporting an ID Theft related incident where someone was trying to open a XXXX  Checking account Online with my information that was fraudulent on XX/XX/22. I immediately proceeded to call the XXXX general number on this matter, spoke with a representaitve named XXXX after waiting 1.5 hours.on the phone. I was requesting a case / reference number for my records and she transferred me to a voicemail system which did not provide that detail. 

Later in the day I had to call at least 3 more times trying to obtain the case / reference number and spent an additional 3 hours frustratingly being placed on hold and not being assisted. The last call which was over 2 1/2 hours I was with another representative who transferred to Fraud agent- XXXX who was not of much help, did not appear to be able to understand the notes on my file, said initially he didnt find anything on my profile, then found some notations and after 45 mins gave me 2 reference numbers. However, he stated that I still had to open a claim with an additional department and did not know if what I had reported was enough for the Bank. At this point being more frustrated I requested for a manager, waited an additional 30 mins, and was then told that the supervisor advised via a chat message that I needed to open a separate claim and provided an additional phone number which I called and hung up after 45 mins more of waiting. 

This prompted to go to their local branch the next morning to follow-up on this matter with XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX to file a complaint at the branch, and submit my complaint to you. While at the branch I was then transferred to speak with XXXX XXXX XXXX XXXX. and was subsequently told after an hour and a half that I had to call the Detection Fraud unit to further discuss my situation/ details on Monday since their office is closed on weekends. 

This is completely ridiculous, unacceptable and overburdensome for an individual to deal with. On top of that I happen to be a XXXX XXXX XXXX XXXX XXXX XXXX of over 30 years to see such a lack of assistance and competence on behalf of Bank of America which is why I have filed this formal complaint.

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 2022-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Greetings, I opened a new bank account with Ally, I deposited a check once the account was opened. As soon as i deposited the check my account was locked, they asked me for a picture of my social security card, my drivers license and my selfie with holding both ids in my hand. I sent it all the same day within an hour of speaking with them. I spoke to them everyday as they said it would take 1-3 days. Today is day 4 now they are telling me they are still reviewing my submitted documents. So the account is blocked But now the guy tells me they will verify the check, i deposited the check 5 days ago, the check should have been cleared by now. I have worked in a bank i know the check clears in 2 business day from the bank its issued from. Please assist.

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 2022-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have had a CREDIT FREEZE on all 3 reporting agencies. The only one is TRANSUNION that let " XXXX XXXX '' ( XXXX XXXX  ) some how put hard inquiry on my credit report. How can a company get through a credit freeze that has been on for two years.

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