vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-09 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: NY

Complaint narrative:
I applied for the SAVE plan back in XXXX and Nelnet only put half my loans on the SAVE plan. I called them for more information ( and sat on hold for 3.5 hours ) and they told me that half my loans were in a grace period forbearance so would not be on the SAVE plan ( allowing them to collect interest unfairly. ) I was also told that my remaining loans would be put on the SAVE plan as soon as the grace period ended. 

The grace period has ended now, and they were not put on the SAVE plan and Nelnet expects a {$900.00} payment on them in XXXX. I emailed this time ( because I am XXXX XXXX XXXX and do not have 4 hours during business hours to sit on hold ) and I received an email telling me that I would have to wait 50 BUSINESS DAYS to get more information. ( during which time they would be able to collect interest, naturally ) I went to the Department of Education, and my account there said that only half my loans were on SAVE despite all of them being eligible for it. Using this information I applied to have my loans re-considered for SAVE and now I have received an email Nelnet has put me on ANOTHER administrative forbearance ( allowing them to collect interest on all my loans ). However, there is NO information about this in my account, which says that payments are due as usual. 

This is obscene. The game is rigged against student loan borrowers. I intend to make payments, and I applied for SAVE to make smaller payments as I start my career while holding off on letting massive amounts of interest accrue. I fully intend to pay my loans back. However, rather than complying with the law, Nelnet has figured out how to weaponize its bureaucratic incompetence to collect interest it has no right to if it followed the SAVE plan. 

I am XXXX  XXXX, building a professional career that will allow me to pay back my loans, and because of this, I can not sit on the required 3.5-hour phone, waiting for someone to give me incomplete and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have a XXXX with PayPal. 
I was making my payments with my checking account for years and without problems. 
Recently PayPal makes new rules and I try to make payments same way and is rejected. I contacted my bank about this issue and they said You dont have any restrictions the payment should go through. Look like my account is in way to be on collections. 
I asked PayPal if theres another way to make payment. No they said.

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 2023-12-09 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: GA

Complaint narrative:
I filed a dispute concerning my consumer report with TransUnion, XXXX, and XXXX in XXXX and XXXX of XXXX. Neither company acknowledge the federal laws or consumer protection laws that I cited in my disputes, instead the company sent me a letter basically saying that they speculated that some third party was doing something to my credit. I responded telling the reporting agencies that I, myself had written the disputes, and I also verified my identity. The company still ignored all consumer protection laws and simply refuse to investigate or remove any of these derogatory remarks for my consumer report.

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 2023-12-09 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:
I sent a letter on XX/XX/XXXX to Experian. To remove personal information that doesn't belong on my credit report. I also filled an ID theft report on XX/XX/XXXX. I submitted a complaint with the CFPB on XX/XX/XXXX to Experian about the issue # XXXX. Also, Experian continues to violate FCRA 15 USC 1681 laws. One more problem is Experian has yet to correct these issues. It seems that they will continue to violate the law and my issues. Someone needs to hold them accountable.

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 2023-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On or around XX/XX/XXXX or XXXX, XXXX, Chase Bank initiated the unilateral closure of my account, a decision met with scant information despite my XXXX pursuit of elucidation. Acknowledging the contentious nature of our past interactions, I concur that terminating our financial association is a prudent decision. 

Engaging in further discourse with the bank 's representatives, documented through recorded conversations, led to the understanding that obtaining a cashier 's check at any branch on Saturday, XX/XX/XXXX, would be a seamless process. However, upon my visit, it became apparent that this resolution hinged on the necessity of closing all active claims, a path I'm reluctant to pursue without compromising my integrity. 

While I'm willing to leave funds available for ongoing investigations, my concern is rooted in the observed trend of extended delays and unresolved financial matters for patrons, raising doubts about the expeditious retrieval of funds, if at all achievable. 

The closure of my Chase Bank account has not only cast a shadow on my personal financial landscape but has also wrought considerable hardships for numerous individuals who, like me, rely on the timely access to their funds. This abrupt disruption has created a ripple effect, causing tangible setbacks in the lives of many. 

The repercussions extend beyond my immediate circumstances, reverberating through the lives of others who are dependent on the funds entangled in this bureaucratic quagmire. The protracted delays and uncertainties surrounding the retrieval of funds have introduced an unwarranted layer of stress and financial instability, affecting not only my well-being but also that of countless others who find themselves ensnared in this disconcerting predicament. 

As we collectively navigate the labyrinthine processes imposed by the bank, the toll on our daily lives becomes increasingly palpable. The detrimental impact transcends the individual, highlighting systemic issues that warrant attention and resolution to alleviate the burden borne not just by myself but by a community of individuals grappling with the ramifications of this unforeseen and unjust closure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I had my savings account siezed by my bank Suncoast schools credit union at the demand of XXXX XXXX XXXX of XXXX for a XXXX XXXX. All money in the account is from my XXXX. I had borrowed XXXX  and put in savings. I'm paying it back trying to bring my credit back after getting XXXX XXXX. But I paying it with my only income my XXXX. They have also canceled a order I had from on line and if I try to access inspite of the bank saying those funds aren't effected. I have intended to pay it back and did pay XXXX to a them but only XXXX was credited. They took the rest in legal fees. I dropped the program. I have proof. But 2 years after the fact one of XXXX went to a hearing he had no right going to and signed on my behalf. I've attempted contacting XXXX directly but they won't talk to me because they say the attorney had to discharge service when I dropped them 2 years prior. I can't talk to them and that attorney XXXX XXXX XXXX of XXXX FL. Bar # XXXX refused to return my calls. Because he said I yelled at him and said never to call again. This was after they took the entire XXXX towards my XXXX XXXX  XXXX card for fees and Because he had no right representing me. 
Noone will help me! I was trying to pay back what I owed. Why do you think I didn't just file bankruptcy? Because I felt I should try and pay it back. The savings that I had that I burrowed they siezed is an emergency fund I kept my daughter has a form XXXX XXXX and with her XXXX she could need to be taken to XXXX or XXXX to find someone that knows how to treat. She was just in the hospital for breathing right when this happened. To make things worst my wife had to stop working with the state. This XXXX Soscial security is all we have coming in and they took it and are planning on taking this month 's deposit that goes I. Wednesday. Help..please I am sorry to grobble. It just one of the main reasons I can't work isn't physical. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I'm really having a hard time writing this. I have done nothing wrong. I worked in Healthcare for 16 years I understand this confusion

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 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: DC

Complaint narrative:
I just received my new credit report for TransUnion and I found quite few auto Account Review Inquiries on my credit file that wasn't authorized by me. 

This is the list of them. 

XXXX XXXX XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 XXXX XXXXXXXX XXXX  XX/XX/2022

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 2023-12-09 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: CarMax, Inc.
State: DC

Complaint narrative:
I just received my new credit report for XXXX and I found quite few auto Account Review Inquiries on my credit file that wasn't authorized by me. 

This is the list of them. 

XXXX XXXX XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 CARMAX XXXX XXXX  XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
XXXX Purchased XXXX ticket for XXXX $ XXXX XXXX $ I was charged an extra XXXX $ as a commission for. Total of XXXX $ This XXXX $ was not listed or communicated till after I paid online They refuse to refund and chase bank refuses to recognize the fraud I asked for a refund and was fraudulently charged XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland credit management stating that I open a credit card with them. When I never did

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I am filing this complaint with Consumer Financial Protection Bureau to report my recent experience of Financial Abuse with " GM FINANCIAL ''. First and forest, I am a victim of financial abuse, which has reflected on my credit report within the last couple of months. I am filling this complaint to report GM Financial for fraudulently processing my credit report over 8 attempts within the last three months. GM Financial has processed my credit report eight times on the same day and on different occasions, which resulted in this issue. This company has abused my credit report and continues to process my information without my authorization and consent. As a victim of financial abuse, I had no choice to place a freeze/ fraud alert on my credit report with all credit bureaus. My accounts with XXXX and XXXX Credit Bureaus are currently being investigated due to this unauthorized activity in such a short amount of time. I have reported this matter to GM Financial several times over the phone to the finance supervisor XXXX XXXX and XXXX XXXX. I have not received any documentation or information on this matter from GM Financial. I have spent weeks and days attempting to resolve this matter and there seems to be no response from this company. I am seeking a resolution to recovery my credit report. I have listed below the dates that this company has abused and processed my information without my consent. 

GM FINANCIAL : XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Hello, My name is XXXX XXXX, and I am strong XXXX XXXX XXXX Naturally, I applied for the Bank Of America ( BofA ) Alaskan card. I was approved. I while I was waiting to receive the card, I received a letter about my pending Bank of America Alaska credit card stating there was a fraud alert on my account. When I received the card in early XXXX, I called Bank Of America to inquire about the fraud alert, and also, I asked if I could use my card for a {$19000.00} roofing bill. The BofA rep said, " Yes, you can use it. '' I then attempted to use the card but it was declined. My husband and I used a different card. 

Upon having received my card, I added it to my digital wallet and made it my default card. I attempted to use the card for low cost items, but the card was still frozen. So, I forgot about it. That is, until I saw my XXXX charge that showed the XXXX  XXXX had been run and the charge posted to my account. When I realized this, it was when I received my first statement in XXXX. I signed onto the app and saw I only had approximately 20 days remaining to meet the {$3000.00} dollar card usage agreement to earn XXXX miles. I called BofA, spoke with a rep who told me she would request my account be given more time so I could meet the usage/spending requirements. The BofA rep stated I would receive a letter from them within a week. This was XXXX weeks ago.

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 2023-12-09 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: DC

Complaint narrative:
I just received my new credit report for TransUnion and I found quite few auto Account Review Inquiries on my credit file that wasn't authorized by me. 

This is the list of them. 

XXXX XXXX XX/XX/2022, XX/XX/2022 XXXX  XXXX XX/XX/2022

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 2023-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am not sure who this company is I never signed any loan and pay agreements with this company. I never even received anything in the mail prior to this account being put on my credit report and a debt or a charge off. XXXX has violated my rights by not sending proper documentation via mail not giving me an opportunity to dispute debt. I never received written notification of debt via mail. And this is a Fair Credit Report violation. 1006.34 Notice for validation of debts. This company never mailed or sent me anything. I will be contacting an attorney in regards ti this company. Nothing only did this company damage my credit rating this company did not follow the guidelines of the Fair Credit reporting Act. TransUnion is at fault as well for allowing this company to report false inaccurate information. I will be filing a complaint with the state of California and the state of Georgia. You will be hearing from my attorney. I am going to sue you for several Fait Credit reporting violations. Each violation is worth {$1500.00} and you committed at least three ( 3 )

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 2023-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Inc.
State: IL

Complaint narrative:
A friend asked for a Referral to use SendWave money transfer Service. I provided XXXX XXXX my phone number. He quickly registered and Sendwave sent the acknowledgement asking me to confirm. As soon as we confirmed two separate transactions immediately left my Sendwave account totaling XXXX on XXXX. 
I immediately logged into my Bank Account and froze the Debit card and contacted my bank. With long hold times, I immediately drove to the XXXX XXXX XXXX IL XXXX and spoke with an account manager. 
we did not get the money back but it has been confirmed the money left my account and pending with Sendwave at this time.

The only thing I know at this time is Sendwave stated there is no Guarantee they will be able to do anything to assist I opened up a Fraud Alert with my XXXX bank as this transaction was not authorized to the phillippines. I do not live nor Do I know anyone in the XXXX. 
I use the app. from time to time as I would send money to my family in XXXX. 

There is no security mechanisms and controls in place for apps - I learned never to use a debit card as this is next to impossible getting your money back in the event of a FRAUDULENT Scam. Especially from someone I knew back in Pennsylvania

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-09 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: Nelnet, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX " Dept Of ED/NELNET '' is reporting an account/s to my Consumer reports that I didnt give any express permission or permissible purpose to report which is a violation of my rights according to law. 15 USC 1681b ( 2 ).

As a Consumer I have the right to privacy pursuant 15 USC 1681, 15 USC 1692, 15 USC 6801.

My personal information is my business, my student loans are my NONPUBLIC personal information and Dept Of ED/NELNET have reported my nonpublic personal information without my consent to a non-affiliated third party which amounts to AGGRAVATED IDENTITY THEFT. 18 USC 1028A.

15 U.S. Code & 6801 - Protection of nonpublic personal information It is the policy of the Congress that each FINANCIAL INSTITUTION has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those consumers nonpublic personal information.

According to the FCRA the above servicing company has violated my rights by providing my confidential and private information to a non-affiliated third party without my permission or without giving the proper disclosures.

Pursuant 15 USC 6802 Account # XXXX x XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Im the customer of Chase/XXXX credit card. I want to complain to their customer service department and request my refund. 

In XX/XX/2023, I called Chase credit card company to dispute a transaction {$250.00} on XX/XX/2023 about XXXX XXXX XXXX XXXX, as I just booked and stayed one night there on XX/XX/2023, but was charged twice on XX/XX/2023 & XX/XX/2023. Chase started to investigate this issue. But on XX/XX/2023, I got their letter that said they considered the transaction valid and removed the temporary credit issued to my account. They also sent me the proof, which was the two reservations they got from the hotel. Through the two reservations, everyone can see clearly those are totally different two reservations. Different guest name, different reservation # and room number..even different XXXX membership number. 

The next day I contacted their customer service again to complain this judgement. They agreed to reopen this dispute and sent me a letter on XX/XX/2023. 

Then I got their notice by mail on XX/XX/2023 that said they confirmed the transaction was valid. I called back again and complained to a specialist, was told that they would research this issue again and would give me an update within two weeks. 

On XX/XX/2023, my husband and I called their customer service, was told that this transaction was valid because this charge took place too long ago! 

Too long? If their customer service staff had been more responsible after receiving the reservations from the hotel in XXXX and reviewed the proofs carefully, how could this case have been delayed for so long? This is entirely caused by their irresponsibility. 

I am extremely disappointed with their service!!! 
I requested Chase credit card to refund the amount.

Company response to consumer: Closed with monetary relief