vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-26 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I had a XXXX year CD mature on XX/XX/2022 and had specific instructions to close the CD and disburse funds at maturity and I have a confirmation email of these instructions from the bank on XX/XX/2022 However the bank blatantly disregarded my instructions and renewed my CD and is now attempting to charge me an early withdrawal fee to access my funds

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: IL

Complaint narrative:
I received a letter claiming I owe medical bill. I tried to call the company RMP SERVICES LLC to resolve matter and asked what medical charges was this for because time I received care I had insurance and I provided to XXXX XXXX and informed agent wasnt aware of any unpaid charges first attempt calling in agent agree to send back to hospital and Dispute. Then I called the second time and tried to get more details of I can resolve matter by providing my coverage agent advised me that debt can not be removed and Im responsible for all charges and if I dont pay debt can not be removed and told me its too late for insurance to cover charges and started saying you knew about charges continue to say how Im not trying to pay for a bill Im responsible for and continue to call and tell me that charges are accurate and the debt will continue to be valid

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
We applied for a forbearance at time of covid. And in XX/XX/XXXX there was a loan modification made. But on XX/XX/XXXX due to unpaid maternity leave, we applied for forbearance. We asked XXXX  months. We were granted 1 month. When we asked why several times, no one at any time advised or informed us that we were allowed ONLY XXXX MONTHS OF FORBEARANCE FOR THE LIFE OF THE LOAN. 

We were even told last week after several times asking why was it only XXXX month and not XXXX months that they could only XXXX XXXX months at a time and we should reapply afterwards. Yet only XXXX month was approved. But never we were properly informed of such crucial information for a XXXX year loan. 

So today after speaking with XXXX, he said the reason why we got only XXXX month instead of the XXXX months requested is because we were up to the XXXX months. To our surprise we objected saying we were never informed of such important notice even when asking and making request for forbearance in the past, nor the last time till now. We are feeling defrauded by Quicken Loan, whose team have repeatedly mislead us to believe XXXX thing but came up with another since the time of having them XXXX  years ago. We have been several times mislead but this time was the too much to handle! 
We are making a formal complaint to have this revised, reviewed and revisited.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Carvana Group, LLC
State: SC

Complaint narrative:
XX/XX/2022 I purchased a car from Carvana, I was scammed. At that time my XXXX  score was around 720, I was in lock down because of Covid so I wanted no contact buying and did everything on line. Carvana tricked me into a subprime car loan over XXXX XXXX interest. These loans are for those with out credit or low XXXX  scores. I complained and was told after the fact they dont consider XXXX  scores. Ther car is a real lemon, it has a bad transmission, the under side is full of rust. The headlights have a moisture problem that causes them to shut off with it warning so I cant drive at night. Carvana is being sued by several state att generals for deceptive business practices. They cant do business anymore in many states, there is several class action suits against them. XXXX XXXX one of the owners Ive learned have criminal charges. I am no match for these people. Im a XXXX XXXX XXXX XXXX retiree. I spent over 35 years in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am heart sick to think this company has scammed so many of us. I hear the FBI is investigating I hope this is true.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CMRE Financial Services, Inc.
State: OR

Complaint narrative:
I had a missed call the morning of XX/XX/XXXX, I followed up out of curiosity and it was a person on the phone trying to get personal information from CMRE Financial Service. Multiple times throughout my first phone call I was aggressively to make payments on a {$1500.00} charge. After pressing I was informed by CMRE it was XXXX charges of {$1400.00} from XXXX ( The hospital in my area ) on XX/XX/XXXX {$140.00} from XXXX XXXX on XX/XX/XXXX The first charge is from a recent XXXX I had at the XXXX, I am in the process of financial aid paperwork and I confirmed all my charges are on hold. 

The second does not align with any services I have received and doubly I have recently ( last 6 months ) cleared my debts and credit report, a literal clean slate as described by my financial officer. 

Both of these circumstances threw up red flags for me and after so time on the internet directed me here. Attached, I have followed up with a Debt Validation Letter via email to the company after a final phone call. They directed me to use email or fax instead of a written letter and provided with the contacted email. I have also attached a screenshot of the email in case the first attachment files type causes issues. 

My credit isn't great and I have had medical debt haunt me for the better part of my life, I have done my time, paid my dues, and I am finally in the clear. This is my effort to prevent these predatory practices to negatively affect me or others in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
IM WRITING IN REGARDS TO THIS DISPUTE IVE SENT 30 DAYS AGO AND THESE UNAUTHORIZED, FRAUDGENLET INQURIES REPORTING TO MY CONSUMER REPORT. THIS IS ABSURD THEY HAVENT GOTTEN BACK TO ME AND TO MAKE MATTERS WORSE IVE BEEN PUT IN A MORE DIRE LIVING SITUATION BECAUSE MY SCORE DROPPED XXXX OF MY CREDIT CARD LIMITS WERE CUT DUE TO THIS.

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 2022-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: NY

Complaint narrative:
I filed a couple disputes with transact XXXX XXXX card on XX/XX/21 for {$1400.00} XXXX was XXXX of them and there were few more but they closed my account within day or XXXX and just denied my dispute without reason.i filed it in timely matter and these were not my transactions .I told them they were possibly my XXXX XXXX who came home from prison and if so I will press charges to the full existent of the law.But I was just shut down with no reason or anything .I just found out about you guys that's why I'm now addressing matter again..XXXX is the reference 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 2022-10-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NY

Complaint narrative:
I, XXXX XXXX, applied for student loan forgiveness months ago through the XXXX XXXX XXXX XXXX ( PSLF ) Program. The deadline to submit the app is XX/XX/22. Per Mohela 's phone recording, I never submitted an application nor do I have any student loans! I called and called and called and have been on hold for hours and then Mohela disconnects the call. It seems that they aren't taking any incoming calls at all anymore despite getting a very hefty government contract to manage this program. 

Mohela is supposed to provide a basic service and hopefully some decency in this process. I've even tried to send a secure message via XXXX- it says to call. I call- it says my call can't be answered. I try to DM via XXXX, but they XXXX their messaging. I've also DM 'd on XXXX no response! What am I supposed to do to get in contact with them to actualize my application and to just make sure it's even received? Mohela is systematically blocking access to this program, which XXXX XXXX put in place to make accessible to those of us who qualify, but we, the public servants, who dedicated our lives to serving our communities are denied qualifying for programs because of organizations like Mohela who work to block access. We as a society have been traumatized enough and dangling these programs without actually proving accessibility to them until after the deadline should be criminal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I have been receiving phone calls at least XXXX out of XXXX days a week and sometimes up to XXXX calls per day from Navient. 
I am the co-signer of private student loans for my daughter. My daughter recently moved from XXXX to XXXX and was unemployed while job searching for about XXXX months. She said she spoke with a representative from Navient explaining her situation and thought the matter was cleared up; i.e. a delay in payment. Navient did not take this into account and called me incessantly. My daughter had asked for a consolidation of her Navient loans in the past but that has never occurred. 
I truly just want this company to work with the students taking out loans. 
We were presented with no choice when my daughter went to college and had to apply for loans. I understand that I took on a responsibility when becoming co-signer but never expected this level of loan shark tactics and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: CA

Complaint narrative:
In accordance with the XXXX XXXX XXXX XXXX this creditor has violated my rights under 15 U.S.C. 1681 Section 602, states I have the right to privacy, 15 U.S.C. 1681 Section 604a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666b 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 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 2022-10-26 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: CA

Complaint narrative:
In accordance with the XXXX XXXX XXXX XXXX this creditor has violated my rights under 15 U.S.C. 1681 Section 602, states I have the right to privacy, 15 U.S.C. 1681 Section 604a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666b 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: CA

Complaint narrative:
In accordance with the XXXX XXXX XXXX XXXX this creditor has violated my rights under 15 U.S.C. 1681 Section 602, states I have the right to privacy, 15 U.S.C. 1681 Section 604a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666b 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 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 2022-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I filed XXXX complaints with CFPB regarding a Fraudulent charge of $ XXXX not made on my phone or computer, and without my knowledge or consent, but was allowed by XXXX XXXX XXXXXXXX who did not call me to confirm if the transactions were made by me. In the past XXXX XXXX XXXXXXXX denied a transaction to a XXXX XXXX causing me to call them to verify that it was a legitimate transaction. This time XXXX failed to contact me to verify the legitimacy of the " Fraudulent '' transaction mentioned on my below mentioned complaints on : ( CFPB Complaint numbers # XXXX and # XXXX ) Instead XXXX XXXX XXXXXXXX approved the Fraudulent Transaction and during the CFPB investigation, XXXX transferred the Fraudulent XXXX XXXX debt XXXX to Comenity Capital Bank, XXXX XXXX XXXX. 

On XX/XX/2022, I spoke with " XXXX '' at Comenity Capital Bank because I received several " Hang Up Calls '' from them as per Caller ID. I also received a collection letter from them date XX/XX/2022, attempting to collect the fraudulent debt XXXX transferred to them during CFPB investigation as per the aforesaid complaint numbers. Please note that " I texted several messages to Comenity Capital Bank '' to the telephone number reflected on my " Caller ID '', to include pictures of the CFPB Complaint numbers, explaining the fraud situation asking them to cease and desists collection activities and to contact CFPB and provided your office telephone number. 

When trying to explain what occurred to XXXX, he stated that they were not Bank XXXX XXXX at which time I explained about the Fraudulent debt and that I texted information regarding the fraudulent charges and that they should contact XXXX and CFPB to corroborate my statement. I asked him to document what was stated during our phone conversation and for XXXX to ask his management what to do about the Fraud XXXX sent them. XXXX then said that he would transfer me to their fraud unit but I informed him to document our conversation and that I had already texted that information and to contact XXXX and your office ( CFPB ) and culminated contact. Comenity Capital Bank, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: VA

Complaint narrative:
Edfinancial Services has been unable to provide verification of my previous request for a loan refund or provide a consistent timeline for my refund to be processed. I spoke with a representative for EdFinancial via phone call initially to place a request for refund. I was verbally assured that my refund request had been submitted, however the representative was unable to provide me with a concrete timeline for processing ( she said it could be XXXX months or more due to the increased number of requests ). I followed up via virtual chat with a rep named XXXX today XX/XX/22, and I have attached screenshots in which she refuses to provide verification or provide me access to my refund request and is unable to provide an estimated timeline for my refund request to process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2022, I closed my account with XXXX XXXX Bank. The bank then about a week later sent me a confirmation email about me closing my account. A month later, the bank then placed a late payment on my credit report, which is inaccurate. I have disputed this late payment with them to no avail. I contacted TransUnion and mailed in all of the documents showing that I could not have been late, as I no longer had an account. The only thing TransUnion said it could do is open a new dispute. I am sick and tired of disputing, they need to just remove this from my account before I take them to court! The information is simply 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 non-monetary relief
Consumer complaint received 2022-10-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: WLCC
State: TX

Complaint narrative:
On XX/XX/2022, I sent a XXXX XXXX XXXX to Initiate Electronic Funds Transactions to Explore Credit. However, Explore Credit continues to debit my account. The most recent attempt was using an eCheck because those are difficult to dispute with my bank. The date was XX/XX/2022 for the amount of {$330.00}, more than 60 days after I requested that Explore Credit stops debiting my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
we have been banking with TD bank about 20 years. on XX/XX/22 our rent check was stolen and cashed at XXXX of the TD bank branches. they changed date, amount ( {$960.00} ) and forged the signature and cashed. when we found out, we immediatelly call and went to see the banker in person. I was told that we would get money back in XXXX weeks. and they asured us the new check we sent out to our landlord will be clear. only to find out that it was bounced and we were charged a late fee. we had set up automatic credit card payment as well, but beause of this we were chareged hundreds of dollars in returnd payment and late fee. ( Im never late on payment and pay in full each month. ) it's been a month and a half, no money, no updates from the bank. Please help up get {$960.00} back. hopefully some of the return check and late fees as well. thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 2022-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I kept trying to make a payment, and their system wasnt working, and denying me access to do my payment

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