vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently filed a complaint with this CRA in regards to XXXX XXXX and XXXX XXXX and XXXX XXXX and submitted all necessary documents on XX/XX/2023. The company closed this case. They did not block the information as requested so I called and spoke to a supervisor by the name of XXXX operator XXXX and they are stating that the CFPB did not provide them the complaint and my documents. I gave them the complaint number and they still deny receiving this from you all. It has been over 30 days and this account needs to be removed. They also removed a XXXX XXXX account that I did not dispute. I also submitted paperwork from the company XXXX XXXX where they did an investigation and deemed the account fraudulent and requested removal and they ignored that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 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: CA

Complaint narrative:
I applied for the Save Plan 10 weeks ago ( on or around XX/XX/XXXX ). Switching plans would bring my student loans down to XXXX because my salary is currently low. After about a month with no traction ( and no communication ), I saw on the website that my loan payment remained the same amount it used to be. I called Nelnet to see what the hold up was, they assured me it was processing and I just needed to wait. That was the beginning of my arduous back and forth with Nelnet. Over the following weeks, I proceeded to call them five more times ( most with 2-3 hour wait times on hold ). 

Each time I called, the loan servicer told me the same thing. It was " processing '' and it was nothing to worry about. They couldn't give me more information but assured me the line was just long to get approved. They couldn't pass me along to someone else for one reason or another. They told me to continue to wait and it would be handled. 

By the time late XXXX rolled around, my interest started accruing. With my first student loan payment due XX/XX/XXXX, I became more nervous that this wasn't getting solved. I called several more times ( waiting nearly 3 hours every time to talk to a loan agent ), who told me the same thing : it's still processing and they don't know why but there's nothing they can do. When I asked for an administrative forebearance, they said it was impossible. I would be responsible for making payments and interest despite this being the fault of Nelnet. By their own account, they've told me there's no reason the approval of my application should take so long, but can't give me any more information. I believe they are acting in bad faith to get more money out of me. Regardless, their ineptitude should bare the responsibility of my payments and interest ( which has accrued to over XXXX dollars already and counting ). 

Friday XX/XX/XXXX, I insisted to speak to a higher-up, but was told no one was likely to answer. My agent assured me she would call me again the following Monday at XXXX AM. No call ever came. 

There has been no earnest attempt by Nelnet to solve this problem or direct me to someone who can, despite my repeated attempts to do so. This is causing me great XXXX, stress, money, and time ( I've spent nearly 15 hours on hold now with no solution, and have had to take that time during work hours ). I can not afford my payments but have now been pushed into a corner -- pay them or go into forbearance which would jeopardize my ability for my loans to be forgiven in 20 years ( as confirmed by a student loan agent over the phone ). I have no other ability to get this solved and have advocated for myself in every way possible, but Nelnet will not assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
My student loans service changed from XXXX to AIDVANTAGE. I have been trying to make a payment since XX/XX/23 and AidVantage keeps reversing my payments with no reasons as to why they're not accepting my payment. I called my bank and they had no evidence of aidvantage ever trying to collect payment. Aidvantage keep reversing the payment themselves! I tried emailing them 6 times and I have not heard back from anyone. I tried making a payment over the phone and it cancelled my payment and hung up on me. I tried calling customer service and after waiting for a whole hour for someone to pick up, they hung up on me! I have tried to make a payment over 4 times and I have the proof if needed. This is incredibly frustrating and unfair. I researched this enough to find out that this is happening to many others and I am convinced they are doing this in purpose to accrue more interest from us. I am reaching out to my local congressman for help because this company does absolutely nothing to help their customers and they need to be held accountable. Worst customer service I have ever dealt with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: OH

Complaint narrative:
XXXX XXXX allowed someone to fraudelently open an electric account in my name. The person didn't pay the account and the balance is up {$310.00}. It was the charged to Mercantile Adjustment Bureau. I want this removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
THESE INQUIRIES IS INCORRECT XXXX XXXX XXXX XXXX XXXX XXXX THESE INFORMATION IS INCORRECT, PLEASE VERIFY THESE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-23 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: PA

Complaint narrative:
THESE INQUIRIES IS INCORRECT XXXX XXXX XXXX XXXX XXXX XXXX THESE INFORMATION IS INCORRECT, PLEASE VERIFY THESE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently filed a complaint with this CRA in regards to XXXXXXXX XXXX and XXXX XXXX and XXXX XXXX and submitted all necessary documents on XX/XX/2023. The company closed this case. They did not block the information as requested so I called and spoke to a supervisor by the name of XXXX operator XXXX and they are stating that the CFPB did not provide them the complaint and my documents. I gave them the complaint number and they still deny receiving this from you all. It has been over 30 days and this account needs to be removed. They also removed a XXXXXXXX XXXX account that I did not dispute. I also submitted paperwork from the company XXXX XXXX where they did an investigation and deemed the account fraudulent and requested removal and they ignored that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have been a Chase customer for almost 10 years. My activity with them has always been incredibly normal and transparent. On XX/XX/2023, my account was restricted and I was asked to call the bank. After I called, they mentioned ( in a recorded line ), that they had decided not to continue doing business with me, that my account would be closed within 10 days, and that my funds would get to me through a check 10 business days after that. They mentioned that they would not state any reason for my account closure, but that I had done nothing wrong. I waited for weeks and had been calling to see where my funds where, but nobody could ever give me a definite answer. This wait has caused immense financial strain and mental anguish, as I have run behind on car payments, credit card payments, medical bills, and all of my everyday expenses. Finally, I decided to open an investigation through the Chase Executive Office last week. As I called today ( XX/XX/2023 ), I was now given an entirely different version. They said that my account is being investigated but they could provide no details, no timeframes, and no reason for the investigation. This is absolutely surprising for me, as I am a business professional who has a W2 XXXX job and a small venture creating product unboxing videos. All of my activity is absolutely clear. Now, I have {$10000.00} retained, which represent all of my savings, and have been put to incredible financial strain due to this. I definitely do not deserve this treatment and I am asking for a prompt resolution to my situation from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XXXX when I was making payment to my Wells Fargo auto, I was told my amount to pay was lower than usual due to a credit. However, come to find out that credit was used in Liu of late fees. Resulting in me owing close to {$300.00} in late fees on my next payment - that have never accumulated before on my account. Ive asked to dispute this to the Presidents level and they simply want to call to tell me those fees stand. Malicious practice from bank representatives that should be more thorough on any credit that a consumer can apply.

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 2023-10-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
Pay off amount is higher than the actual balance. I have been paying for 1 year or so the amount on the account and everything I pay is applying directly to interest {$160.00} every time to interest and only {$2.00} towards principal. I also was charged XXXX without my authorization and I had already paid XXXX to this lender, they withdrew money from my bank without my consent and I am already overdrafted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSWORLD SYSTEMS INCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANWORLD SYTEMS INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have submitted all FTC Reports/police reports to all companies and have requested all record and any documents proofing or stating with my signature ( original documents only )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: CA

Complaint narrative:
I owed a debt when I went to college, I plan to pay the debt but I recently was laid off. I wish to contact to change the terms of my payment plan but I can not get a hold of anyone at Nelnet. Mygreatlakes at least was responsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
NewRez bought the mortgage on our loan and sent us a letter stating where the payments should be sent. The initial paperwork listed an account number of XXXX and after we sent the payment, the next mortgage payment had account number XXXX. We made payments for the mortgage but were then harassed with numerous phone calls, emails and letters stating that we were behind on our mortgage payments. 

On XX/XX/2023, Amount : - {$3100.00} Sent to : Shellpoint Mortgage Servicing Posted Date : XX/XX/2023 Transaction Type : ACH PMT Original Description : NEWREZ-SHELLPOIN ACH PMT XXXX On XX/XX/2023, CHECK # XXXX - Account Number- XXXX Checking XXXX Posted XXXX XXXX, Amount {$3200.00}. 

On XX/XX/2023, Amount : - {$3200.00} Sent to : XXXX Posted Date : XX/XX/2023 Transaction Type : ONLINE PMT Original Description : NEWREZ LLC ONLINE PMT XXXX Additional Details : ACH WITHDRAWAL Throughout the time in question, we have received emails, telephone calls and regular mail stating our account is behind or that we missed a payment. When we tried creating an account with NEWREZ online, we had two account numbers we were provided and it took numerous phone calls to finally receive the account number XXXX. We have attempted calling to resolve the issue with NewRez and each time we are told that the company will launch an investigation to the issue and that our record in NewRez will be annotated as being paid and under investigation. We were never given any transaction/account verification that the investigation occurred. We continued receiving telephone calls stating we were late or behind on payments. And our record did not have any notes on it regarding an investigation which we would spend over an hour explaining the issue and told that someone would look into it. 

We have updated XXXX XXXX XXXXXXXX XXXX  's Bill Paying account to reflect the address and the account number as provided by NEWREZ. I am still receiving letters and emails stating that my account is behind and that I missed payments. I have sent NewRez copies of my bank statements and payment information to show that I have made the payments. 

As a XXXX XXXXXXXX veteran, I maintain my credit standing to ensure I retain my security clearance and do not take risks that would place my credit standing in any negative position. Having a financial institute state that I am late or behind on payments would do so.

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 2023-10-23 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: Kikoff Inc.
State: OK

Complaint narrative:
XX/XX/23 - In accordance with the Fair Credit Reporting Act this creditor has violated my rights! Under Act 15 U.S.C. 1681 section 602 says, " I have the right to privacy. '' 15 U.S.C. 1681 section 604 ( a ) section 2 also states, " a consumer reporting agency can not furnish an account without my written instructions. '' Under 15 U.S.C. 1666 ( b ) " a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: EQUIFAX, 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. 

XXXX XXXXXXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$21.00}. 
XXXX  account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX  XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXX XXXX Lease with account # XXXX opened on XX/XX/XXXX and a balance of {$1300.00}. 
XXXXXXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Collection account from XXXX XXXX with account # XXXX and a balance of {$480.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there. And Most of them are already XXXX balance but still reporting on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 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: EQUIFAX, INC.
State: PA

Complaint narrative:
THESE INQUIRIES IS INCORRECT XXXX XXXX DEPT OF ED XXXX THESE INFORMATION IS INCORRECT, PLEASE VERIFY THESE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I received am American express gift card from work. On XX/XX/XXXX, I saw an unauthorized charge made the previous Friday ( this was Monday I called and filed the complaint ). I have made repeated calls to them and have received nothing but the runaround. I have a case number of XXXX. The latest story I am being told is that the case was closed ( with no notification ) and that it was re-opened on XX/XX/XXXX when I called once again. 
I am now being told that it will be another 45 days from that date for a decision. The fraudulent charge is {$300.00} and there is a small balance on the card outside of this amount. They are not making any attempt to inform me of the status or if they will even issue a new card for the balance outside of the fraudulent charge. 
I have confirmed my contact information every time and am getting nowhere. They were notified of the fraudulent charge while it was still pending yet they have done nothing.

Company response to consumer: Closed with non-monetary relief