vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-15 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: AES/PHEAA
State: VA

Complaint narrative:
I first applied for PSLF in XX/XX/XXXX. I have always been on a qualifying payment plan - since XX/XX/XXXX when I first consolidated with my spouse- I have had one loan ( even though this was a consolidated direct loan ) - forgiven, but for some reason, they have left me in administrative forbearance with this " second loan '' for 3 years. 

My qualifying payment counts keep going up, I reapply every time they do, but I now have AT LEAST 163 qualifying payments and am still not being forgiven. I have been told by student aid. gov that Fedloan needed to remove the forbearance for me to be forgiven, Fedloan said that's not true, so they did not. I have been told that the second loan is my spouse 's part, but he died in XXXX, before I ever applied, and, edfinancial, our previous servicer, said they had forgiven his portion. 

In the meantime, the waiver comes along, and people who were never even eligible are being forgiven and getting thousands of dollars back, and here I sit, watching my qualifying payment count go up, reapplying over and over and over, and am still not forgiven. 

Also : Fedloan is supposed to be transferring these to XXXX, I have not heard one word that I will be transferred or forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Earlier this month, on about the 2nd of XXXX 2022, I attempted to open an online account with Chase bank. I deposited my XXXX relief check in the amount of, {$1800.00}. I tried to acces the account through the online application about 2 days later, and was already locked out of my account, was given a number to call to resolve the issue, I called and was told I would need to go down to the a local branch to present identification in order to have the account unlocked. The reasoning they gave was possible fraudulent activity.I went down to the local branch and provided my information. The person there told me that my account was already being closed. I was also informed by the same person that if the check was being processed I would be sent a cashiers check by the bank.If the check wasnt processed I would still be able to use the check at a different bank. I called about two days later to check on the status, and was told that the check had not been processed and that my account would just be closed. That was fine I went down to XXXX  XXXX XXXX, and opened a checking in the savings account with them I took the check with me to try and deposit it there.I was told by the people at XXXX  XXXX XXXX that the check had already been processed. this upset me because I was told on two different occasions by people at Chase that the check had not been processed.This was on XXXX XXXX I went down to the local chase branch and sat down and spoke with them in person again. I presented my ID my social and had the original check with me.The person at the bank called Chase headquarters and spoke with somebody in the fraud department for about 25 to 30 minutes there in front of me she told him I presented my identification and that I was sitting in front of her. they still refused to unlock the account and release the funds, at this point I was no longer interested in banking with Chase.I had already opened a bank account with XXXX  XXXX XXXX I was trying to move on and have the funds so I can deposit it with my new bank. here I am three days later Ive called them twice since then and they still will not release the funds from my bank account that I no longer want. I spoke with them this morning and theres still a hold on the account I informed them that I would be filing a complaint with the local and federal government.At this point I am extremely frustrated because this is Covid relief check from the treasury department Ive showed them IDs spoken with them several times presented them my Social Security card, and Im still not getting any positive response.Im not sure what else I can do at this point and that is the reason Im filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Credit card or prepaid 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: Bread Financial Holdings, Inc.
State: VT

Complaint narrative:
This complaint is directed towards Bread Financial who has recently taken over for Comenity Bank. 

On XX/XX/XXXX my XXXX XXXX credit card was closed. I have proof of this in writing from Comenity Bank. I was directed to pay off the balance and to destroy the credit card. The closed account is even reflected with the credit bureaus. I have made my payments every month since and all payments have been made on time. My last payment was made XX/XX/XXXX bringing the balance to {$0.00}. I should not have had any further charges since this account was deemed closed. On XX/XX/XXXX, I was charged a {$2.00} interest fee on my closed account that officially had a balance of {$0.00}. I contacted Bread Financial customer service regarding this interest fee on my closed account. I was on the phone for 34 minutes, got nowhere, and waited only to be hung up on. 

I know other customers have had problems with these interest fees on a {$0.00} balance as well only to not realize it because they considered their card to be paid off. They were then slapped with a late fee. I am not going to keep playing this game every month. It is a form of stealing from customers. 

This account will have been closed for almost two years and my last payment on XX/XX/XXXX should have been the last interaction with Bread Financial. 

It amazes me that with all the complaints filed against Bread Financial that they are still getting away with this behavior towards customers. Unfortunately, I have another store credit card that has been transferred to this company as well which I will be closing once the balance is paid off and dread having to go through this process all over again. 

This is extremely poor customer service and IT IS stealing from customers. 

Please take care of this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
Original request sent via CFPB portal on XX/XX/2022 Complaint # XXXX. To whom it may concern, This is in reference to my/our consumer report. While checking my/our consumer report, it came to my/our notice that your company has furnished an account on my/our report. According to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). Pursuant to my/our rights as per 15 USC 1692c ( c ) I/we are hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, email, social media, or any Consumer Reporting Agency. Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collections Practices Act ( FDCPA ). If you do not cease communication a lawsuit will be commenced against you. Thank you for your cooperation

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 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Original request sent via CFPB portal on XX/XX/2022 Complaint # XXXX. To whom it may concern, This is in reference to my/our consumer report. While checking my/our consumer report, it came to my/our notice that your company has furnished an account on my/our report. According to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). Pursuant to my/our rights as per 15 USC 1692c ( c ) I/we are hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, email, social media, or any Consumer Reporting Agency. Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collections Practices Act ( FDCPA ). If you do not cease communication a lawsuit will be commenced against you. Thank you for your cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I deposited a check ( {$2200.00} ) drawn on a Bank of America ( B of A ) bill pay account into my checking account also at B of A via my phone. The check was credited and then debited with an explanation " unable to locate account ''. 

I was told to that the account # could not be read and to re-deposit it. 
The check was re-deposited at a teller machine at a B of A branch. Once again the check was credited and then the amount was debited to my account. 

Over the last seven weeks I have been on the phone with B of A ( both checking account area and the XXXX XXXX  area ) and spoken to at least 10 B of A associates.. They have also requested that the maker of the check join us at 2 different occasions. 

All agree that the funds have been withdrawn from the Makers account at B of A but have no t been credited to my account at B of A. 

After several unfulfilled promises to call me back, the problem remains uncorrected after 7 weeks.. 

In summary, the check has been debited to the makers account at B of A, but have not been credited to my account also at B of A.

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 2022-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tower Loan of Mississippi, Inc.
State: IL

Complaint narrative:
Business contacting me deceptively claiming to be in business with another individual ( that I do not know ). I believe they thought I did know the individual and were trying to get me to reveal contact details so they could contact them. I do not have any dealings at all with this company. They lied on the phone about who they were, and I thought at first they were a scammer trying to get info from me about people I might know to hack some account of mine. After XXXX the phone number I traced it back to this business and called directly and it was the same person that had contacted me lying about their identity.

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 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Stellantis Financial Services US Corp.
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
Original request sent via CFPB portal on XXXX XXXX XXXX XXXX XXXX XXXX. To whom it may concern, This is in reference to my/our consumer report. While checking my/our consumer report, it came to my/our notice that your company has furnished an account on my/our report. According to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). Pursuant to my/our rights as per 15 USC 1692c ( c ) I/we are hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, email, social media, or any Consumer Reporting Agency. Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collections Practices Act ( FDCPA ). If you do not cease communication a lawsuit will be commenced against you. Thank you for your cooperation

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 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
Original request sent via CFPB portal on XXXX XXXX XXXX XXXX XXXX XXXXXXXX. To whom it may concern, This is in reference to my/our consumer report. While checking my/our consumer report, it came to my/our notice that your company has furnished an account on my/our report. According to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). Pursuant to my/our rights as per 15 USC 1692c ( c ) I/we are hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, email, social media, or any Consumer Reporting Agency. Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collections Practices Act ( FDCPA ). If you do not cease communication a lawsuit will be commenced against you. Thank you for your cooperation

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 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, 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: AZ

Complaint narrative:
In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX creditor : XXXX XXXX, XXXX XXXX XXXX Original creditor : XXXX XXXX. 

15 USC 1681 section 602 A States the rights to privacy.

15 USC 1681 section 604 section 2. It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 166B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 USC 15 usc 6802 B, c, d obligation with respect to disclosure 1681 A and E term investigative needs to be interviewed 1681 D Disclosures portion to request investigative report consumer given explanation to not disclose you have right to opt out.

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 2022-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One Credit Card Company Told me that I was pre approved for a credit card to help build my credit up more and that my odds for approval on a credit card was great So I applied for the credit card and didnt get approved for the credit score they told me I was pre approved for and my credit score was very decent enough to get the credit card so now I have these hard inquiries on my credit report for listening to capital One I dont know what to do because its stressful when ur trying to build ur credit up

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
To whom it may concern, This is in reference to my consumer report. While checking my consumer report, it came to my notice that your company has furnished an account on my report.

According to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium.

As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ).

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, email, social media, or any Consumer Reporting Agency.

Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collections Practices Act ( FDCPA ).

If you do not cease communication a lawsuit will be commenced against you.

Thank you for your cooperation

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 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
To whom it may concern, This is in reference to my consumer report. While checking my consumer report, it came to my notice that your company has furnished an account on my report.

According to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium.

As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ).

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, email, social media, or any Consumer Reporting Agency.

Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collections Practices Act ( FDCPA ).

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation

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