vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I opened a Chase Bank " United Quest Card '' in early XXXX. Shortly after, Chase claims to have sent me 2 letters in the mail requesting my authorization to verify my social security number. I never received 1 of them and the other I got when I returned home from overseas. I responded to the letter by having a branch manager fax the signed letter. Shortly after I got another letter explaining that the Quest Card was closed, since Chase had not had any response from me. Chase claims to have never received anything from me and proceeded in closing all of my personal Chase Credit cards. Then, I mailed them a second copy of the letter. I followed up with Chase and they claim to have never received that letter as well. Chase then told me these credit cards are closed and no longer eligible for dispute. Then, I decided to apply for " new credit cards '' the Chase credit cards they had closed. 
Through this process Chase requested my credit report through the bureaus on : XXXX XXXX XXXX XXXX Chase should have contacted me directly, communicated with me and instead kept requesting credit reports only to deny the replacement cards. These requests, for reports, have now been a hinderance in me getting replacement cards from other banks. I have been a Chase customer for well over 20 years and have an excellent credit score of XXXX. The only reasons Chase gives me is that it is their " policy '' and further push the blame to the " government rules '' they need to abide by.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: TX

Complaint narrative:
Based on multiple calculators, including the studentaid.gov website calculator, my payment is higher than expected, possibly up to {$300.00} higher. I first contacted Nelnet in late XXXX after they suddenly switched me out of forbearance that was supposed to last until XX/XX/2024 after migrating from My Great Lakes ( and I waited XXXX hours on hold ). Since I gave consent for the IRS to share tax info they recalculated my payment amount and payment due date and they told me it could not be switched back ( giving me barely 30 days notice that a payment would be due ). Today on XX/XX/XXXX, after thinking the payment amount seemed higher than what I remembered, I plugged in my information into a few calculators and noticed what seems to be the aforementioned payment discrepancy. I contacted Nelnet again and was told payments could be recalculated, but that I still had to pay the higher amount this month until they can figure out what my payment will be ( unless I wanted to use one of my three payment hardship forbearance months ). I dont think I should have to pay extra if the payment is wrong, since it is not my fault that the payment was not calculated correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: CA

Complaint narrative:
A physical bill was received from MOHELA dated XX/XX/XXXX with a due date of XX/XX/XXXX. The notarized post office post-mark date is not compliant with the 21 day notification per Department of Education guidelines, policy, and federal law. 

Upon review of the physical bill, the amount listed only delineates the principle amount. It does not include, list, or reference the additional interest amount. Upon review of the MOHELA website, my online account does not include, list, indicate, or make any reference to the additional interest on the principle amount. I had to call MOHELA to acquire this information. 

Moreover, MOHELA indicated a XXXX minute wait to speak to a representative during this process. However, it took over XXXX minutes to connect with a representative who proceeded to place me on an additional XXXX minute hold. 

Furthermore, upon request of physical documentation of MOHELA providing notification to all 3 credit bureaus, the representative informed me they were unable to do that, and placed me on an additional hold. 

Cumulatively, this is a violation of the Truth in Lending Act, the Equal Credit Opportunity Act, the Fair Credit Reporting Act, the Federal Trade Commission Act, the Consumer Financial Protection Act, 34 CFR 685.220, 34 CFR 685.102, 34 CFR 30.1-30.70, and the Gramm-Leach-Bliley Act of 1999.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 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: SC

Complaint narrative:
I believe MOHELA has mishandled my student loans and my eligibility for the Public Service Loan Forgiveness Program. My IDR recertification date was not extended in a timely manner. I recertified my repayment plan thinking that this was going to be required. This has caused my monthly installment amount to increase from roughly {$300.00} to {$780.00}. Mohela should have denied my recertification application as it was too early to recertify for this plan as recertifications can not be completed more than 90 days before the recertification deadline. My recertification deadline should have been XX/XX/XXXX not XX/XX/XXXX. Per DOE, if my recertification date falls prior to XX/XX/XXXX I should receive an automatic 1 year extension, but my account was not updated to reflect this information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I have XXXX, {$100.00} AMEX prepaid gift cards that I have tried using in various stores in person and online over the last few YEARS and have never been successful. I keep being told to try different places and eventually they will work, but honestly this feels like a frustrating experience that's embarrassing and will never work. I essentially have {$200.00} that can never be spent and I don't know what to do at this point.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-06 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 2023-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2021, My XXXX benefits were stolen from my Bank Of America prepaid debit card. I am a victim of identity theft. My personal information was taken without my knowledge to activate and use a debit card sent to me by Bank Of America, which held my unemployment benefits. 

I applied for XXXX and was unaware that I had been approved due to not recieving any notification of deposits. My bank card, other mail and personal information was stolen from my mailbox and used to activate my XXXX benefits. My XXXX benefits were stolen. I recieved tax information about the stolen benefits. After extensive research, I learned that my XXXX benefits were approved. I reported the issue to XXXX and I was told to contact Bank Of America. After contacting Bank Of America I was advised to file a claim. I filed one claim with Bank Of America and the claim was split into two claims. One claim was for {$320.00} and the other claim was for XXXX. Bank Of America denied the larger claim of XXXX but approved the smaller claim of {$320.00} and returned those funds to my account. I am currently appealing the denied decision as I am responsible for the XXXX that I did not recieve nor did I authorized anyone eles to use.

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 2023-11-06 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: WLCC
State: CA

Complaint narrative:
Someone has been applying for loans using my social security number that I dont recognize. I have been getting emails from Explore Credit and phone calls about an approved application for a loan of {$800.00} with a 792.82 % interest rate paying back {$5800.00}. 
The banks routing number I do not recognize. 
Lender is WLCC lending located at XXXX XXXX XXXX XXXX GA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: OH

Complaint narrative:
I am a victim of identity theft and was told to often check my credit report and report anything I dont recognize or did not do.

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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Self Financial Inc.
State: FL

Complaint narrative:
They reported on ALL Bureaus an address in XXXX, California, where I never lived on my report. The sole purpose of the address was simply supposed to be a temporary address so they mailed my XXXX card that they have never sent to me since XXXX despite my many requests and countless calls to solve the issue. They also reported that i closed the account but i didnt. 2 Incorrect information that need to be removed and corrected immediately. They should not report incorrect information in people 's credit. Super incompetent staff and bad company to enter business with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: CT

Complaint narrative:
I recently pulled my credit file and see that I have unauthorized credit inquires that I did not apply for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: AZ

Complaint narrative:
My credit was used without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 2023-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I sent money ( {$260.00} ) via Venmo to a XXXX  relative on XXXX, XX/XX/2023 by mistake. I contacted Venmo as soon as they were open the next business day XXXX, XX/XX/2023 to inform them of the situation. I requested that the money simply be returned to my Venmo account. I verified what account I sent it to, and which account I meant to send it to. They stated her next of kin would need to contact them which they did. They electronically provided Venmo with her death certificate and her daughter 's identification. Venmo then indicated this was not enough and they would need probate papers. Her estate did not go through probate as she had no assets. They are still refusing to reverse the transaction and return my funds. The phone, bank, and debit card associated with her account no longer exists and have been closed so there is not a way to access her Venmo account directly to return the funds. The fact that they were provided her death certificate by next of kin should be sufficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: NJ

Complaint narrative:
On XX/XX/23, Hunter Warfield , Inc. sent me an email to my email account XXXX stating that they were collecting a debt for XXXX XXXX XXXX of {$140.00}. The email stated that I could dispute the debt in part or in full by XX/XX/23. If the debt was disputed, Hunter Warfield, Inc. must stop collection on any amount you dispute until they send information that shows I owe the debt. On XX/XX/23, I sent a letter through certified mail disputing the debt in full and requesting a debt verification letter. A copy of this letter is attached in the documents, as well as my certified mail receipts. As outlined by the Fair Debt Collection Practices Act : " Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. '' ( 4 ) was never completed by Hunter Warfield , Inc. after I disputed the debt and requested a debt verification letter. No additional collection efforts were made by Hunter Warfield , Inc. As of today XX/XX/23, the debt verification letter has yet to be sent to me. This is a violation of the Fair Debt Collection Practices Act. At some point that is unknown to me, Hunter Warfield , Inc. reported a collection to XXXX, XXXX, and XXXX. This collection now appears on all of my credit reports, and is potentially negative to my credit score. This has transpired without any communication from Hunter Warfield , Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: WA

Complaint narrative:
Card will reflect previous name, XXXX XXXX. 
I opened this account when I was in my early XXXX, they provided minimal information, explaining that if I pay my balance in full there is no interest. I verified since I hadnt had much history with a large credit limit card. Ive since racked up a lot of debt which Ive struggled to get out of because the interest rates were higher than what I was paying towards to principal and I had no additional income to put towards it. Ive finally, after many years, payed off the card balance in full and have a financial plan to never again find myself in that position. I partly blame this position on Chase, which gave me access to a lot of potential debt and didnt provide any education or resources to learn financial responsibility. Regardless, Ive paid the balance in full and was hit with a large interest charge two weeks later. When I spoke to them on the phone, both a regular representative and their supervisor, they now explained that a revolving balance accrues interest daily. They said its always been this way, yet the many times Ive called and spoke with card representatives, no one has bothered to explain this. Ive tried to get their assistance in finding ways to pay the card down previously and was met with, just try your best and if you have extra money, put it towards the balance, which was unhelpful. This interest charge, and now explanation of a seemingly new to me policy, feels like Chase is punishing me for becoming financially responsible and educating myself. The said they arent able to do anything with the interest. Does this mean they will be continuing to charge interest on their own interest balance? Its ludicrous. There needs to be some transparency and responsibility put on the company as well as, not just me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: Paramount GR Holdings, LLC
State: MN

Complaint narrative:
I recently got a notification for an inquiry I didn't recognize by Goodleap LLC. I have not authorized any hard inquiries on my credit report in over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: CA

Complaint narrative:
I received notification from XXXX on XX/XX/XXXX via physical mail, and notarized by the post office, that my student loan is paid in full. My loan is currently listed as paid in full status. 

However, all three credit bureaus report that the loan is still outstanding as of XX/XX/XXXXXXXX XXXX failed to notify the credit bureaus in a timely manner of this update. This resulted in a XXXX point decrease in my credit rating. 

XXXX also sold incorrect and false information pertaining to my person to all XXXX data brokers. This constitutes slander, liable, and defamation. Furthermore, this fraudulent act constitutes a violation of the Gramm-Leach-Bliley Act of 1999. 

XXXX is a financial entity acting as an extension of a government entity.

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 2023-11-06 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: SC

Complaint narrative:
There is an option under the business segment of the website to file a dispute via you can email your disputed items to XXXX. Once I did so, I only received an offer to buy a business product as a response

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: GA

Complaint narrative:
After terminating my lease and moving, my previous landlord is attempting to collect a debt they are not owed. There is no money judgement from courts against me for this amount.

Company response to consumer: Closed with non-monetary relief