vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-01 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: MI

Complaint narrative:
I have been trying since XXXX of XXXX to get my XXXX consolidation loan forgiveness/discharged declined and reversed for the purpose of reversing them to consolidate them with my non-discharged loans for total forgiveness under the IDR counts for XXXX. I have messaged and talked to the Department of Education, who says this is all on Nelnet and they have to do it. I requested to the Department of Ed to opt out of the forgiveness back in XX/XX/XXXX. I have made complaints with the Dept of Ed Ombudsman about Nelnet 's lacking customer service. I have spoken to several people in Nelnet 's Solutions Department, some of whom have said they have escalated to 'Leadership, ' but yet my issue is not resolved. I have sent a written and signed request on XX/XX/XXXX ( after being told to do so by a Nelnet agent ) to decline the current discharge of my XXXX consolidation loans so they may be consolidated with my XXXX consolidation loans and then obtain total forgiveness under IDR counts in XXXX. This is a time-sensitive matter, yet Nelnet is dragging their heels and not acting on something that I was told should be able to be done within a month. I have spoken with agents in the Solutions Department on 5 different occasions, 2 times in XXXX and the last 3 being with XXXX ( XX/XX/XXXX ) - who said she was sending this to Leadership and she would call me back in 3-5 days ( no call yet ), XXXX ( XX/XX/XXXX ) - who said he was putting in a code for reversal and he wasn't sure this could be done, even though all other agents and the Dept of Ed said it CAN be done, and lastly XXXX ( XX/XX/XXXX ) - whom I notified that I had uploaded my ombudsman complaint case details. Since Nelnet seems to respond to CFPB complaints quicker than anything else, I am making a complaint here. I NEED this discharge reversal completed in a TIMELY manner - like immediately, since it has already been more than a month since my written request. Then I NEED my consolidation application to consolidate the two consolidation loans ( from XXXX and from XXXX ) reactivated and processed beore XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: IL

Complaint narrative:
My Federal student loans are in the process of being transitioned from XXXX to XXXX. There is currently no way to put money towards my loans during this transition, but they are still accruing interest. There is no communication on when this transfer period will end or when I will be able to put money towards these loans again. Why am I on the hook for interest, if there isn't a system in place to make payments?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I was in the process of purchasing a new car and I realized that I have damages on my credit report. In accordance with the fair credit reporting. Act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC ( 1681 section 604a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions 15 USCS 1666b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank continues to use their deceitful tactics and poor business practices. I have an auto pay set up on my account, and every time the payment comes due, the auto pay doesn't work, but every time I log in and pay manually through their site from the same account, it works every time. This is just more harassments from a shady bank. To the point that they called and reduced my credit lines because of their system not working, its just absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
Used card ( XXXX ) amx to reserve hotel. 
Hotel held XXXX each visit Hotel has released my money Bank will not replace my money I have email from hotel showing released money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am attaching copys of major inaccuracies on my credit report XXXX XXXX should not be on my report I have documents stating that that specific account was closed due to fraud and I can verify to you it needs removed along with other accounts Im attaching they are over XXXX XXXX XXXX and they are not mine and I do not have a XXXX  account nor did I ever that is false information and Im tired of the credit bureaus attacking me and they are lying about my on time payments to XXXX and to XXXX  XXXX and I have proof that I pay these accounts on time they need to comply

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
See the attached affidavit and credit report and remove the account XXXX XXXX from my credit report due to inaccurate reporting. There are records of CFPB complaints showing that I have tried to get this corrected for over a year and quite frankly I am tired of writing Experian and XXXX when XXXX has since removed this account due to the inaccurate late payment reporting XX/XX/year>. I have been keeping record of the correspondence sent to you and I will be moving forward with legal action after sending this affidavit if this account is not updated or removed from my credit report. Please take this complaint as a notice of my intent to sue your agency if this account is not removed within 21 days.

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 2024-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I lived in some apartments XXXX years ago that were very disorganized and dishonest practices, as well as the electric company. For example in a XXXX sq ft apartment we would get a bill around {$400.00} just for normal electric use. Having to deal with them constantly and complain, we ended up just paying it. Left there around XXXX to a different city with a different electric company and have not dealt with them since. Just now in XX/XX/XXXX, a collection on my credit for {$500.00} appeared from collection agency " IC System '' from XXXX energy. I called IC system and they are unwilling to remove it from my collections and tell me to contact XXXX energy. When I call XXXX energy, they tell me they can't do anything other than deal with the collections agency. I also can't get any of my records from the apartment complex which has changed hands multiple times who are now " XXXX XXXX ''. I feel like my hands are tied at every direction I try to take. This charge that isn't even mine from an account that I used XXXX  years ago caused my credit score to go down XXXX points.

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 2024-03-01 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I went to pay cash to buy a sofa sectional from a local furniture store who talked me into financing it instead of paying cash. He told me that he got me approved with 2 credit card companies XXXX XXXX SYNCB XXXX  however the merchant for more that what the purchase total is & overcharged me {$1100.00} and put on my invoice that I would have a {$1000.00} store credit which I did not authorize or request. I immedicably started trying to get the balance corrected. The merchant told me to call the creditors, the creditors told me to reach the store manager. Ever time I went into the store I was told the owner is out of the country. I have been completely given the run around & so far only one account has been deleted.

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 2024-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: DRB-40, LLC
State: OR

Complaint narrative:
I acknowledged the debt and offered a settlement offer earlier this week, XXXX XXXX XXXX accepted the offer of {$2800.00}, but when I logged in to pay it the settlement offer was over {$5000.00} so I set up payment arrangements. I am utterly concerned they were trying to make contact to me by way of a complete stranger, my father and an elderly neighbor. 

XXXX I received a XXXX message from an unknown person to me stating Diversified Recovery Bureau LLC was repeatedly calling her and leaving voicemails. She sent me a screenshot. After several days she located me on XXXX to let me know. Understandably, she was extremely upset and stated she will be filling a claim if they do not stop calling her. 

XX/XX/2024 @ XXXX am - Received text message from my XXXX, XXXX XXXX was calling to collect a debt on my behalf. 

XXXX sent an email to XXXX XXXX to cease and desist communication with the third party of my father and complete strangers regarding. Unknowing that there were one more 3rd party attempt to people who I have no personal connection too. 

XX/XX/2024 @ XXXX am - Received a XXXX message from an old neighbor from XXXX  years ago stating Diversified Recovery Bureau LLC contacted her elderly mother to try to collect my debt. I have no personal contact with the neighbor. 

XX/XX/2024 @ XXXX am- Call placed to Diversified Recovery Bureau LLC to let them know I was infuriated with their unlawful attempts and to cease all contact to anyone regarding my debt. 

XXXX State Bar- Debt collectors both collection agencies and lawyers who try collecting debts must comply with the federal Fair Debt Collection Practices Act, as well as XXXX state law. The federal law prohibits a debt collector from communicating with anyone about a debt except for those involved in the debt-collection process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA

Complaint narrative:
( Never received a response ) XXXX XXXX, I am trying to reach Consumer Affairs and was unable to find an email address. I do plan on calling as well. 
However, I am hoping you will be able to answer my questions and help to rectify discrepancies. 
**I will be sending the attachments separately as your email is telling me you can not receive just two attachments, that the files are too large. 

I recently purchased my lease, and while I am aware of the general fees to expect, there are some that I feel are NOT transparent. 

First off, my residual value was very clearly stated. I provided the letter via email ( weeks before ) stating the buy out price before I came into the dealership. I also asked the finance manager twice for a breakdown of the fees that would be included so I could review BEFORE I arrived. Naturally, that did not happen, not to my surprise at all. The amount in my letter states the buy out price at {$14000.00}. 
Yet somehow a phantom fee of {$370.00} was added onto this price, making it {$14000.00}. 

What is this fee? I was not provided with an explanation or given solid reasoning. 

I also went through my initial lease paperwork and not only were additional fees to the buy out price not disclosed, it also specifically mentions that is the agreed upon buyout price between dealer and consumer. 
The Consumer Leasing Act requires that all the terms of the lease, including anything you must pay, be disclosed in the initial lease agreement. That also includes any sort of buyout provision at the end of the term. If it is not in the lease, it can not be charged. 

I want a full explanation of why I was charged the additional amount ABOVE the buy out price, which is actually illegal as I mention above. 

I also see the VSI premium fee of {$95.00}. It is specifically stated that is not to be included in the total amount of the loan. 
Lenders are required to disclose information related to VSI insurance to buyers before the point of sale ( was not disclosed ). In addition, VSI must be calculated as part of the finance charge and included when estimating the loan 's annual percentage rate ( APR ). However, the cost of VSI insurance can't be factored into the total loan amount being financed by the borrower ( it was factored in ). 

I am prepared to pursue this futher, but I am giving you the opportunity to address this first. 
I don't care if it is {$100.00} or {$1000.00} in fees, poor business practice is wrong. I don't think continuing to lose customers is worth it. It will cost more in the long run if customers continue to share their negative experiences deterring others from returning to Nissan dealerships. 

Please respond back ASAP as I will move forward with these issues should I not hear back. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Today XXXX. I received a reply to my previous complaint. It is the same response that I received previously. Both times that received a call back from Wells Fargo they admit that I received the incorrect information from their representative but will do nothing to rectify the situation. I now have all the proof including bank statements that prove that I sent in the payments that I was told to by the representative and later on because I declined a modification which they offered which would have extend the loan to 40 years ( I was more than half way through a 30 year ) they maliciously put my home in foreclosure. My records show that in 2019 I sent in numerous payments more than what my total annual payment would have been some of the payments were applied and some were returned to my bank because they wanted to start foreclosure proceedings. 
I am aware that millions were paid to some customers but I was not included and this shows that there are a lot more customer that did not get the compensation that they deserved. 
The authorities need to get involved in Wells Fargo deceptive practices

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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: MI

Complaint narrative:
TRAFFICKING VICTIMS LETTER TO CONSUMER REPORTING AGENCIES RE : Trafficking Block Request Case # XXXX : Human Trafficking Case # 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  Dear Sir or Madam : I, XXXX XXXX XXXX  ( hereinafter referred to as Victim ( See 142 ( b ) ( 7 ) Victim of Trafficking ) Do hereby attest that I am a victim of trafficking for purposes of section 605C of the Fair Credit Reporting Act This statement.- [ ] As discussed below under 1022.142 ( c ) of the final rule, the Bureau is not adopting any exceptions to the requirement that consumer reporting agencies block adverse information that resulted from trafficking. The information listed below, which appears on my credit report, is the result of that trafficking.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: NY

Complaint narrative:
I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit Inquiries : 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

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 2024-03-01 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: LEXISNEXIS
State: NY

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.

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 response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: UT

Complaint narrative:
GM Financial is reporting an account on XXXX that needs to get fixed. They transferred this account to a collection company I have been working with. This is no longer with GM Financial and needs to be removed as they can no longer reflect the true status of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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:
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 XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX has 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 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 2024-03-01 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: OH

Complaint narrative:
I am writing to request the deletion of my account which has been successfully paid in full and the creditor agreed to delete this account.

Company response to consumer: Closed with non-monetary relief