vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OH

Complaint narrative:
I discovered that several of my loans were in DEFERRED status until XX/XX/XXXX - when I was under the impression they would be in COVID/CARES Act Forbearance status. I submitted a letter to Mohela ( please see attached ) that includes all the dates of the loans for my Account # XXXX and requested for them to retroactively waive the deferment periods on my federal student loans identified in the letter from deferment period of XX/XX/XXXX to XX/XX/XXXX. 
Since the above request is imperative for me to consolidate my loans before the end of the year for my PSLF status, I needed this done promptly. After not hearing back for several weeks, I called Mohela and was on hold for over 3 hours. I spoke to a representative and was told that he needs to put in a request to have my deferment status changed to forbearance because I was supposed to tell them about this when it happened- I explained that ALL borrowers were under the impression that due to the pandemic that we would all have our student loans under forbearance and that I don't know why they would put me under deferment when the COVID/CARES Act allowed for me to have forbearance status - further, several acquaintances that I know had the same exact issue happen and were able to call in and speak to a supervisor and have their request granted over the phone - the Mohela rep told me that he can't do anything but put in this request to a different department and this can take 90 days to be reviewed. Again, I can't consolidate my loan without this being granted first, and I need to consolidate before the end of the year. Mohela should have not put me in deferment status when I was supposed to be in forbearance and now they are not correcting this status change in a timely manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A digital checking account was created without my consent. I told them to close it immediately and they refused.

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 2023-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
According to Chase Bank NA 's system, at XXXXXXXX XXXX. EST, on XX/XX/2023, Chase Bank NA received a request for an ACH payment from XXXX XXXX of {$5600.00} for a payment from my account. At XXXXXXXX XXXX. EST, on XX/XX/2023, Chase Bank NA made available a direct deposit transfer into my account of {$8000.00}. However, Chase Bank NA organized the transactions to reject the ach payment request from XXXX XXXX for insufficient funds causing me additional transactional fees. However, I was in the online banking system at XXXXXXXX XXXX EST, and the XXXX XXXX transaction was posted, showing a negative amount in the account and requesting immediate payment to prevent overdraft fees. At XXXX XXXX  EST, when I checked the system it no longer showed the transaction but now showed the deposit. When I called to inquire as to why this happened. I was told the transaction was rejected for insufficient funds ( even though the funds were in the account- when the transaction was rejected ). This seems to be a pattern and practice with Chase Bank NA, when there are debits and deposits pending, Chase Bank NA process the transactions in a way that either rejects certain transactions ( causing return fees ) or charges overdraft fees ( even when the funds are there ). I believe I have been cost over {$2000.00} this year alone in fees. Each time I am told the system processes the transactions according to the order they are initiated, but my experience is this process has been programmed to cause as many fees to be generated as possible regardless of the order they are initiated. The funds for today 's deposit were available in my other banks ( XXXX XXXX XXXX XXXX ) as of XXXXXXXX XXXX. but not Chase. So I am left to assume this is purposeful. Chase Bank NA has not taken any action to make any of the fees or transactions right.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Client Services, Inc.
State: GA

Complaint narrative:
Debt Collector, Client Services has recently sent me a collection letter regarding a matter that was supposedly, resolved, several years ago. They are claiming that I owe XXXX. They are so kind and wonderful to offer me to pay only XXXX to resolve a debt that I DO NOT OWE. This matter was resolved with XXXX XXXX and XXXXXXXX XXXX two years ago. You can reference my previous complaints with CFPB regarding this matter. 

Please reach out to Client Services and notify them that their attempt to collect a XXXX XXXX is considered fraud. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
This company : COLUMBIA DEBT RECOVERY LLC DBA GENESIS, has placed derogatory marks on my credit reports of {$250.00} and states that I tried to rent a property in XXXX and owed them money for some kind of review. My social security number was leaked during the XXXX leak and since then I've had to freeze my credit. I don't know how someone in XXXX is impersonating me and don't think that this should reflect negatively on my credit report because this company didn't do their due diligence in verifying that person 's identity. They have my old address from over 5 years ago listed but I've lived in XXXX, FL my whole life and never moved or attempted to move to any other city or state. 
In order to remove this they now want a police report from me regarding the XXXX leak and this incident and to go to a notary to verify that I am who I say I am, and images of my driver 's license, but apparently didn't require any of this to place this derogatory mark on my credit or request it from that person who impersonated me. I'd like for them to remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: I.C. System, Inc.
State: NY

Complaint narrative:
This debt collection company placed a account on my XXXX account in XXXX i disputed it because i am unaware of who they are or who they work for. I requested documents showing the contract they are stating i broke by missed payments and details on the amount i am said to owe. They removed the account from XXXX without any of this information and have now added it to XXXX without still not providing any documents supporting this is my account and they have the right to collect a debt from me. They are ruining my credit worthiness. And i have a block on my XXXX  it is disturbing that people can insert information on my consumer profile without my knowledge or consent which is against the fcra

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 2023-10-31 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 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 to any 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 2023-10-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Back about close to 15 years I had modified through Bank old America. I had a XX/XX/XXXX XXXX. The house was under financially over XXXX. They modified the 80 % loan, and were suppose to write off the 20 % which was a little over XXXX. The 80 % loan was a little over XXXX this modified. The 20 % loan shows with Bank of America the account was closed or I did not have to pay them. They were very deceitful on the modification. Years later they sold the bad debt to a company that was owned by them or sister company by Bank of America. As time has gone by they sold to other collection agencies such as XXXX. Now almost 15 years later my house is in foreclosure. They said compound interest of what was XXXX now is close to XXXX. They say if I dont pay they will for close. They have address or my home XXXX XXXX XXXX, XXXX, California, XXXX on XXXX under Foreclosure. The young lady who modified loan for me told me to contact you and the Attorney XXXX I did. I need help since I have a wife and a mother in law who has XXXX that I support financially. My wife cant work since she care for my mother in law. She stopped working in XXXX. Since I dont know law or barley make ends meet to hire an attorney I am desperately seeking our organization and Attorney general before I go public with this dishonest company. I know Bank of America was paid to modify loan which they refused to help by giving me the runaround, so I hired an outside company who took it out of foreclosure but failed to modify. Then I hired another company to modify, which she did. XXXX Bank of America accepted modification, but failed to write off the amount that made the mortgage under value market. They secretly sold the bad debt and it has been sold from hand to hand.

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 2023-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX ACCOUNT NUMBER XXXX I was never late on the paid off account listed above please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account, if not please delete this alleged late payment 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 2023-10-31 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: AMERICAN EXPRESS COMPANY
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act, all the purported creditors have violated my rights. Under 15 USC, 1681, Section 602 insures my right to privacy.

Under 15 USC, 1681, Section 604A, subsection 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC, 1666 B, a creditor my not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 
I demand all of these unauthorized reportings to be removed from my credit record immediately. 

Sincerely, XXXX : XXXX, XXXX. BENEFICIARY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: MS

Complaint narrative:
I am writing to address the recent notification I received from your office regarding the verification of certain items on my credit report associated with the account number XXXX. Specifically, this pertains to items reported by XXXX XXXX XXXX. I kindly request that you provide me with detailed information about the verification process for these items in accordance with the Fair Credit Reporting Act ( FCRA ) .response within 15 days or delete the trade-lines

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 2023-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I received a letter in the mail from Chase Bank dated XX/XX/XXXX that the account is being closed on XX/XX/XXXX due to another chase card account that was previously closed. 

I called Chase Bank today on XX/XX/XXXX to get an explanation. I called the number given to me in the letter that clearly states if you have any questions regarding this matter to please call the provided number. I did. 

I was then told by a customer service rep they could not give me any more information than what was provided in the letter and that they had no more information to give and that there was no one available to give me a reason why it was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: MA

Complaint narrative:
My student loan was transferred from Great Lakes to Nelnet during the pandemic. I set up my new Nelnet account and set up autopay months ago in advance of my first repayment of {$95.00} being due this month on XX/XX/2023. It is now XX/XX/2023 and Nelnet has marked my account as being past due, even though I've confirmed that autopay is set up and active AND I can see a payment to Nelnet of {$95.00} is being processed by my checking account with XXXX XXXX. How can Nelnet mark an autopay payment ( which is being paid on the date of the company 's choosing ) as past due? There is now a letter on file in my account stating that I'm past due this month, which is unacceptable. 

I tried to call Nelnet customer service to understand why my account is marked as past due, given all of the above, and wasn't able to get through to speak to anyone. The wait time was quoted as 15 minutes, then 20 minutes, then I waited on hold for 40 minutes before Nelnet ended the call. I wasn't able to speak with anyone -- the line went from hold music to dead. I called back and was told the wait time was now over 60 minutes. I scheduled a call back, and have yet to get a call back from Nelnet customer service. 

Furthermore, I can see that interest has been accruing on my account since XX/XX/2023 in excess of my monthly payment of {$95.00}, even though I applied for and was accepted in the SAVE repayment plan ( which is supposed to cap interest at your monthly payment amount ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: FL

Complaint narrative:
Lexis Nexis. 

I am requesting a copy of my consumer report. 

I have requested this several times via your website correctly to then receive written mail I cant be verified. 

Attached to this complaint you will find : My drivers license My social security card My address XXXX utility bills Surely this is proof of my identity. 

Please send a copy of my report via email. 

If that is not possible send it via mail. 

All of my contact details are listed on this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: DE

Complaint narrative:
The XXXX XXXX XXXX I financed has an Oil Consumption Recall. This information was not provided to me when I financed the vehicle in XX/XX/XXXX. The car has turned off on me while driving, it has burned oil to the point where I'm driving with no oil. I have to add oil to the car every 2 weeks, even after I get the oil changed. 

The main issue is that the engine will eventually fail. I took it to XXXX dealer to get it checked and they said my warranty is expired and I will have to pay out of pocket. ( the car has XXXX miles ) I am driving this car and feel unsafe. I plan on turning the car back to the dealer. I was told by the finance company I will owe the remaining of the loan once I return the car back to the dealer. I don't think it's right that I have to pay a car loan that has so many issues and XXXX refuses to fix the problem.

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 2023-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I am XXXX XXXX, had a checking account with Bank of America with, while I was in the country. I left the country before covid and currently settled in XXXX as I am working here and not in a situation to return in the near future. I received a letter from the bank stating that my account is inactive and if do not respond, the funds would be transferred to debt funds dated XX/XX/. I tried to contact the customer care support asking their help to close the account and transfer the funds to my account here in the XXXX, but despite hearing all my requests, they are not even 'able ' able to authenticate my identity. 
First, they said that they will send a verification code to my mobile number according to their records. Since I am no longer having the cell number which I was using while I was in the US, they tole me that I can update any of my known friends or relatives number, so that they can help me. I updated with one of my close friends number, but they denied it later saying that it it not even updated in the system. Later another executive told me that there is another option to send the verification code over my email. I updated my emails nd started getting notifications while they are still saying that it may take days to get updated in their end. Then another executive told me that my ATM/Debit card which is required to verification process can be couriered to my current overseas address if I updated it with system. They also told me that if it happens, the charges would be deducted for the account also. After updating my address and while trying to request for a new card, it was giving me option only to request for my credit cared and Debit card option had already been frozen. 
Once speaking to an executive over the phone and when requested several times, she transferred me to her manager and the manager after hearing all my stories pretended that she tried to help me but after a while she disconnected the line saying that I am not audible. 
I am herewith requesting you to do the needed so that my account may be closed herewith and the fund left remaining may kindly be transferred legally to my XXXX account. Details can be provided later on request. 
I do agree that we all come across different types of online scams and I am not to criticize or blame any of the staffs who attended my call. 
Thanks and Regards 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