vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-09 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: IN

Complaint narrative:
Incorrect information from first rep that was corrected by second rep, main issue is actually a complete lack of communication about status of application and how to complete next steps via email which is dragging out the process and making me accrue further interest ( once on the XXXX plan I applied for, interest would stop accruing altogether ). 

- XX/XX/XXXX : Submitted application for XXXX plan through XXXX  - XXXX : Processed and sent to Nelnet - XX/XX/XXXX : Received a billing statement from Nelnet via email - XX/XX/XXXX : First saw message about payment being required to finish processing application ( no other details such as amount or why ) on Nelnet website ( had not checked website in a couple of weeks, no telling when it first appeared ), message implied correspondence with directions via email or regular mail had already been sent but I have not received anything in my inbox, spam, or mailbox - XX/XX/XXXX : Called Nelnet for details and was told to pay at least {$5.00} in order to finish processing application because of switching from XXXX to SAVE - XX/XX/XXXX : Made a {$5.00} payment on Nelnet site just as told, received confirmation email - XXXX : Checked Nelnet website for status of application to find another message about payment being required to finish processing ; this one says they will be sending correspondence with directions via email or regular mail ( see attached ) - XXXX : Called Nelnet, was told that I have to wait for the aforementioned correspondence before they will accept a payment to finish processing my application, not given any indication when that would be; was also told that any interest that accrues while I'm waiting will not be waived From digging online, I've found out that there is a special link in the correspondence for the payment, and that they will also not accept the payment over the phone. Since the beginning of September, over {$600.00} in interest has accrued and more is added every day they don't send this link. The only correspondences I have received from Nelnet have been the billing statement and payment confirmation listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I got an email at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX from Bank of America saying that I'm enrolled in Online and Mobile Banking. I tried to call multiple times this afternoon and couldn't get past the automated system and talk to a person because I do not have the account information. I tried to call the number from the email : XXXX and the number on their site : XXXX. Both were automated and only accepted the preprogrammed responses and had few options. I did not see an email I could contact them with and the email they sent was through this email address 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 explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services

Complaint narrative:
XX/XX/XXXX - My mother called EdFinancial but the customer service line hung up on her multiple times after waiting on hold for hours. No response. 

XX/XX/XXXX - I uploaded a letter from my graduate school proving my enrollment for the XX/XX/XXXX school year. I also had my mother submit the same letter so that we both could have the loans deferred. Used the online form to submit the paperwork. No response. 

XX/XX/XXXX ( before payment started ) - I sent multiple emails following up with the team to have the matter settled. No response. 

XX/XX/XXXX - Once again I reuploaded my proof of enrollment. No response. No confirmation of receipt. XXXX should have informed my student loan provider that I am in grad school and therefore the loan provider should already know that I am in school ; however, I keep getting messages that I am late on my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXX Called XXXX in customer service at Chase to order a Sapphire Preferred card to replace our Southwest card ( {$99.00} annual fee charged on XX/XX/XXXX ) Asked if payment of that {$99.00} fee could be transferred to the new Sapphire account, as well as transfer of reward points. XXXX promised fee credit and points would be transferred. 
Then he announced I must apply online for the new card, which I did and it was approved immediately. 
XX/XX/XXXX I ordered payment in full of Southwest account, delivered to Chase on XX/XX/XXXX. 
XX/XX/XXXX The Sapphire cards arrived in the mail, after which we stopped using the Southwest card. 
XX/XX/XXXX While online at Chase to print Southwest statement for final pay-off, I noticed the Sapphire account was also debited for {$95.00} annual fee on XXXX, and there is no credit for having paid {$99.00}. 
XX/XX/XXXX Spoke to XXXX, Supervisor at Chase. She claims XXXX gave me " misinformation '' and my request for transfer of fee credit and reward points can not be honored. They will " pull the call '' record with XXXX of XX/XX/XXXX at XXXXXXXX XXXX and mail a letter in 7-10 business days. Also, I would have had to close the Southwest account within 41 days of XX/XX/XXXX to get the fee credit transferred. I asked how could I close the account without having received the final statement and paying it off? She said I could close it with a balance remaining, but did not say that it was an option today! 
XX/XX/XXXX Filing a CFPB complaint ; last 2 Southwest statements and Sapphire activity printout are attached, along with my husband XXXX XXXX signed permission to respond to me. Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mid-South Adjustment Co., Inc.
State: NY

Complaint narrative:
I was charged a pay-to-pay fee of {$12.00} by this company. 

A CFPB advisory opinion, published at 87 Fed. Reg. 39733 ( XX/XX/2022 ), clarifies the limits on a debt collectors ability to charge pay-to-pay or convenience fees under the Fair Debt Collection Practices Act ( FDCPA ). The advisory opinion also has important implications as to a wide array of other charges assessed by debt collectors.

Pay-to-pay charges or convenience fees are added charges when a consumer makes certain types of payments by telephone or on a website. The CFPB advisory opinion explains when a debt collector assessing these charges violates FDCPA 1692f ( 1 ) ( 15 U.S.C. 1692f ( 1 ) ) that prohibits collecting any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. The advisory opinions logic applies to other debt collector fees and charges.

This fee violates FDCPA 1692f ( 1 ) ( 15 U.S.C. 1692f ( 1 ) ) and needs to be refunded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I spoke to a customer service rep and they could not verify when I opened this and account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: MA

Complaint narrative:
In late XXXX or early XX/XX/2023, I discovered that a credit line charge of {$9200.00} was placed on my Home Depot charge account ( the account is managed by Citibank for Home Depot ) on XX/XX/2023 for what appears to be plumbing supplies. I called and the personnel at the bank were courteous and gladly offered to remove the charge and run their investigation in to the apparent fraud. This morning, XX/XX/2023, I received a one page letter that says, '' The facts and/or information reviewed as part of the investigation does not substantiate the claim of unauthorized use. '' I called and was requesting that they provide me details of how this was determined ; and they would not help. They said that if I mailed or faxed them a front and back copy of my driver 's license then they could possibly open another review of my claim. I personally think that these methods are not a proper level of security, both in terms of insecure handling the transport of this highly personal data, nor had they given me any valid security conscious reason to send in more private data when they could not give me any of their findings. They offered that they had signatures on the order for the transaction. I offered to meet at a local Citibank office and then we could compare the data and if needed they then could look at my license. They would not accept. I offered to meet on an online meeting to do the same and they would not accept. I also noticed that they do not use any form of multi-factor authentication when I login to their banking web site. They mentioned that the supplies were cited as for XXXX XXXX as the job description. I found a XXXX XXXX at a nearby XXXX MA address. I would like the CFPB to make Citibank be 100 % transparent and recognize that a fraud, possibly an inside employee scheme has happened here. 

Most importantly, I learned that Home Depot allows their customers to access credit from a card account they do not have with themselves, called the " Account Lookup Feature ''. This seems very risky and certainly invites fraud. The way they do this is the customer can supply a Social Security Number keyed into a key pad and the same with a drivers license belonging to the card holder and be allowed full access to purchase on that card account, such as in this case. Apparently this individual was allowed to use the account look up feature and supplied my SSN, but was incorrect on my drivers license. Why did the transaction then get approved? Also why would someone do this fraud on their own account? 

It's a terrible situation to be in. Please help. Thank you so very much in advance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-08 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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: NJ

Complaint narrative:
in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX, # XXXX Account name : XXXX XXXX XXXX XXXX XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

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 2023-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: FL

Complaint narrative:
This matter arises from PNC Bank , National Association breach of contract security agreements, violations of Truth in Lending Act ( TILA ), violations Fair Credit Reporting Act ( FCRA ), fraud, gross misrepresentation, tender of payment obligation, unjust enrichment, defamation of character, Slandering and Libel, Extortion, Conspiracy, Racketeering, GAAP Fraud negligent and Civil liability for willful noncompliance with the law. 6. Carlyne Desir signed the Security Agreement contract under non-disclosure, false pretenses, and fraud with PNC Bank. PNC Bank violations of Truth in Lending Act ( TILA ), TILA required full disclosure. As a result of PNC Bank breach of contract security agreement, I have been damaged.I would appreciate for PNC Bank to reimburse me back ALL my money and pay total sale price of contract {$69000.00} or I will take court actions with legal fees {>= $1,000,000} ( XXXX XXXX Dollars ). All prior Powers of Attorney, all other prior presumed or granted Executorships, Trust and Agency relationships are terminated! Any refutation of the aforementioned and/or the following issues must be done so, o and for the public record, in writing, by way of a sworn Affidavit, signed in their full Christian/Family name under penalties of the Law, including but not limited to perjury. My federal court XXXX lawsuit against XXXX XXXX  for FDCPA violations XXXX XXXX XXXX XXXX XXXX XXXX case # XXXX Your prompt attention is appreciated. See AFFIDAVIT OF TRUTH AND FACTS attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am being billed on a account that paid off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC
State: IL

Complaint narrative:
I applied for a modification from Selene Finance on numerous occasions, and have been denied for insufficient income. Selene received my loan from XXXX Mortgage. XXXX had approved me for a modification and rescinded it because the Recorder of Deeds office was closed here in XXXX. Since then, I have repeatedly provided Selene complete modification packets that have not been revised in a timely process. Once the time frame gets to 90 days they deny it and request the same documents. In addition, Selene Finance is Dual Tracking. I have been working diligently toward a modification and they have been working towards foreclosure and a resolution through modification. I have requested to speak to them and they have claimed they havent received authorization from my attorney, who neglected to inform me of the court dates of this escalating to a judgement. Selene stopped sending me mail and stopped talking to me. They spoke to me for a very long time while I was represented by an attorney, then refused midstream after my attorney authorized them several times. My most concern is Dual Tracking.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I received a new account from XXXX which has always been satisfactory and Equifax dropped my score XXXX points.. That is not legal to drop a person score XXXX for one new account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: IN

Complaint narrative:
Company filed a collections on my credit report, stating they emailed a notice to respond only via email. I contacted hunter warfield and asked for a debt validation letter and never received a response back. There is still a derogatory collections mark on my account

Company response to consumer: Closed with non-monetary relief