vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I filed CFPB complaint XXXX on or around XXXX XX/XX/XXXX. American Express closed out CFPB complaint XXXX on or around XXXX XX/XX/XXXX claiming it to be a duplicate of XXXX. It's not. In its response to XXXX AMEX provided a table of payment history on or around XXXX XX/XX/XXXX. That table shows a how AMEX is reporting the information for the account/tradeline to the CRAs. The table is filled with errors. CFPB complaint XXXX addressed the errors in the table. Any reasonable individual can look at the table and see the errors. For example if an account reports as allegedly thirty ( 30 ) days past-due in XX/XX/XXXX, and assuming no payment was made within the billing cycle, how can the account be one-hundred twenty ( 120 ) days past-due at the conclusion of the billing cycle? Even if XXXX ( XXXX ) payment was made during that billing cycle, 30 + 30 does not equal 120. Yet, that's what AMEX is furnishing to the CRAs, and what AMEX closed out XXXX without addressing. Moreover, if the account is alleged to be charged off on or around XXXX XX/XX/XXXX, how is it possible for the account to have a date of first delinquency of XX/XX/XXXX? That's the date AMEX continues to verify with XXXX and XXXXFinally, if the account is alleged to be charged-off on or around XXXX XX/XX/XXXX, how is it possible for the account to be reported as a charged-off account only beginning XX/XX/XXXX? All of this smells of unfair and unlawful acts and practices on the part of American Express who has failed on multiple occasions to correct the inaccurate information its furnishing for the account/tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: NC

Complaint narrative:
My PPL was transferred from Great Lakes to Nelnet. The loan is in my parents name and the only account information we were given was our Nelnet ID. We cant log into the account because Nelnet says we have no account with them. Weve tried calling and have been on hold for a total of 20+ hours, emailing, and sending written mail with no response. Nelnet is predatory and unequipped to manage our loans

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/2023, unauthorized charges were charged to my Wells Fargo checking account. I called as soon as I noticed two charges were made of {$700.00} and {$800.00} that same day. I opened the claim with Wells Fargo and waited until XX/XX/2023 to call to see if I would be given a provisional credit while I waited for the dispute, since I had still had no response from Wells Fargo since XX/XX/2023. When I checked while on the call with a representative, I seen my claim was now closed on the Wells Fargo app. I was transferred from one representative, to the one handling my claim where she then decided to tell me that it was closed and to wait 2-5 minutes to give me an explanation why. Her explanation, upwards to 10-15 minutes later, was that it was denied because there was no failed pin attempt on one charge and because the other charge was through XXXX XXXX She said a letter was sent out XX/XX/2023 stating the denied claim, however I wasnt notified XX/XX/2023. I cant get an email stating why it was denied through Wells Fargo.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
i reviewed my consumer report and noticed that i had 7 accounts and 17 inquires that is not mine. consumer reporting agencies have assumed a vital role and have a responsibility to report consumers information to the best of their ability with maximum accuracy. these accounts are not mine. I demand that these accounts and inquiries be removed. 

ACCOUNTS : 1. XXXX acc # XXXX XX/XX/XXXX 2. XXXX XXXX acc # XXXX XX/XX/XXXX 3. XXXX XXXX acc # XXXX XX/XX/XXXX 4. XXXX XXXX acc # XXXX XX/XX/XXXX 5. XXXX XXXX acc # XXXX XX/XX/XXXX 6. XXXX XXXX XXXX acc # XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX INQUIERIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Received a recent email from EXPERIAN advising that my FICO /EXPERIAN credit my been dramatically reduced by them.

I spent over a half- day on the phone with requesting an explanation for this action. 
They refused to provide me with an answer to my question. 
Instead they hung up the phone on me!!!! 
All I'm asking is for a simple reason why my XXXX credit score was tossed into toilet by them ... ... ... ..a specific reason why and NOT a canned answer. 
Something caused EXPERIAN to clobber and destroy my credit ( score ) and I would appreciate the courtesy of a legitimate, valid answer. 

They REFUSE to give me one.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: NY

Complaint narrative:
I was a victim of the XXXX data of breach. Remove these accounts immediately.

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 2023-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened a Truist account online about 6 months ago with a required deposit of a minimum of XXXX XXXX To this day I have not received the XXXX dollars back. 

I tried signing in but it said my account is not active. I called and they told me I have to go into a branch office to verify my account. So I went to the location in XXXX XXXX XXXX  area after work already tired because they arent open on weekends or any convenient hours. Waited for the manager finally and she told me to call.. so after explaining I already called she said there is nothing she can do and I have to call.. 

Now I called and they are telling me the same thing. To go to a branch and verify my ID. I have waited over 3 months for a check to come in the mail but havent seen anything..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: TX

Complaint narrative:
I do not recognize these credit inquires and I have asked them to be removed and the Bureau did not remove them.I am providing an Identity Theft report attached and I am requesting that the inquiries be removed because they are inaccurate and not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
Got an alert on my Bank of America app ( XX/XX/2023 ) saying that a credit card ( Bank of America Customized Cash Rewards ) that I had recently opened and started using was locked due to suspicious transactions. I had made two transactions two weeks previously ( XX/XX/2023 and XX/XX/2023 ) in order to get the rewards bonus. Called the bank on the same day via the number that was listed on the app and they initially said that they couldn't authenticate me nor see my account details. The option was to either call them from the app but through the help/support feature ( XXXX ) from their app or by going into their local branch with two pieces of ID. 

I then tried the easier option which was to contact support via their XXXX feature. The rep was able to see my details then but said that he still couldn't do anything without me going into a local branch and get verified there. However, Bank of America doesn't have any local branches in Hawaii. In the meantime, the card is locked. It doesn't appear that there were other suspicious transactions other than the ones that I had made myself. 

I'm hoping that I can at least pay off the balance with the card being locked and would hate to be penalized on my credit score if I'm not able to pay the balance on a locked card. I would also like to redeem my reward bonus since I've met their XXXX XXXX XXXXXXXX but it's not clear that I can do this if the card is locked. 

This isn't really a viable option for Bank of America customers living in Hawaii to get verified if they encounter problems like this with their cards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to submit a comprehensive formal complaint against Equifax, XXXX, and XXXX, collectively for multiple violations of the Fair Credit Reporting Act ( FCRA ) and financial privacy laws. As a consumer, I have identified instances where each of these consumer reporting agencies has failed to uphold their responsibilities under the law, resulting in unauthorized and inaccurate reporting of my credit information and as a consumer, I have never given these credit reporting agencies any authorization or permission to report anything on my report ; they never even asked me to report anything on there in the first place. 

1. Unauthorized Furnishing of Information ( 15 USC 1681 section 604 a section 2 and 15 USC 6801 ) : Equifax, XXXX, and XXXX have consistently furnished my private information without my explicit written consent, a direct violation of 15 USC 1681 section 604 a section 2. According to 15 USC 6801, financial institutions, including consumer reporting agencies, must respect the privacy of their customers. The actions of these agencies have failed to meet these statutory obligations.

2. Inaccurate Reporting ( 15 U.S. Code 1681s2 ( A ) ( 1 ) A and 15 U.S. Code 1681e ) : Equifax, XXXX, and XXXX 's reporting has been inaccurate, contravening 15 U.S. Code 1681s2 ( A ) ( 1 ) A, which prohibits the furnishing of information to consumer reporting agencies if there is knowledge or reasonable cause to believe the information is inaccurate. Additionally, consumer reporting agencies are required by 15 U.S. Code 1681e to maintain reasonable procedures to avoid violations of the FCRA, a duty they have not fulfilled. 

3. Adverse Item Reporting Without Consent ( 15 USC 1681C ( a ) ( 5 ) ) : Equifax, XXXX, and XXXX have reported adverse items without my explicit consent, violating 15 USC 1681C ( a ) ( 5 ), which restricts the inclusion of adverse information without the consumer 's permission.

4. Civil liability for willful noncompliance ( 15 U.S. Code 1681 ( n ) ) : I have submitted a complaint before to each credit reporting agency listed in this complaint so willful noncompliance can easily be proven as they had a full understanding of the violations after I complained the first time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Violation of dual tracking by XXXX and XXXX XXXX XXXX XXXX XXXX must be replaced as requested. 
I emailed documents for loan modification and received email dated XX/XX/XXXX review was completed. 
However as of XX/XX/XXXX I have received no other documents and no other documents for loan modification have been requested. 
On XX/XX/XXXX I received default notice attached that is dual tracking. Dual tracking if prohibit by law as CFPB states the following information. 
Dual tracking occurs when a lender receives a loss mitigation application from a defaulting borrower, but proceeds with both foreclosure and loss mitigation options. Dual tracking is prohibited by federal law under Title X ( the Consumer Financial Protection Act of XXXX ) of the Dodd-Frank Act. 
Letter date XX/XX/XXXX loan modification was completed, and no further information has been provided as of XX/XX/XXXX. 
Notice of default to dated XX/XX/XXXX is violation of dual tracking that is prohibited. 
I have made multiple attempts to remove single point of contact. 
XXXX XXXX IS NOT AVAILABLE WHEN I CALLED IN, I HAVE BEEN TOLD SLS NO RECORDS WHEN SHE WILL RETURN TO WORK. 
I CAN NOT TALK TO XXXX XXXX XXXX XXXX AND HAVE NOT NEITHER SHE HAS RETURNED MY PHONE CALL. 
I DEMAND CFPB AND SLS TO CHANGE XXXX XXXX XXXX XXXX 
Its just an excuse to cease and desist is the reason which was filed on in XXXX. I have received many calls since than

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
Hello, I have a mortgage loan serviced by Lakeview Loan Servicing , LLC. Lakeview has made it impossible to service my loan or talk to any representative to make a payment as of XX/XX/23. Their website is a complete disaster and will not allow any payments to be processed and their customer service phone number continues to disconnect when calling. Their website has deleted all of my payment account information. I have no way to make a payment on my loan or receive confirmation that payment was made or confirmed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/23 prior to sending my request for credit with XXXX XXXX XXXXXXXX XXXX I placed a call to inquire whether the the credit request would be a soft or hard inquiry and received confirmation that it would be a soft inquiry with whom ever I was speaking with., now the very next day XX/XX/23 at about XXXX XXXX XXXX while checking on my credit profile I see a hard quiry from XXXX XXXX XXXX on my credit file, I'm very upset of the misleading effet they generate with me and consumers as a whole, I then placed another call to them to now been told that it was to be a hard inquiry and I then request that it be immediately removed for the misleading information generated and harm it caused to my credit file ... ..they proceeded in giving me the run around by transferring me from one person to another without resolving my issue thus my complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: MA

Complaint narrative:
1. Company has over 24 hr hold times to speak with agent 2. Their chat functionality does not work 3. They respond to emails in 4 or more business weeks What happened 1. Called EdFinancial, spoke to agent about different payment plan in XXXX. They approved and my monthly payment would be ~ {$240.00}. They said 3-4 business weeks to process so I asked about my XXXX payment since the new plan would not be processed by then. They confirmed both my XXXX and XXXX payments would be waived and I would begin paying in XXXX. 
2. I logged onto their portal and saw a balance past due in XXXX. Again, called and emailed company. Spent four hours on hold in XXXX and they confirmed same thing said they just had not updated system. 
3. When it came time to make my payment in XXXX, it was not the amount of my new payment plan and XXXX and XXXX were still marked as past due. 
XXXX. XXXX XXXX called again and they said that I was showing late for my XXXX payment because it had not processed. I paid five days prior to due date through online banking, with an account with plenty of money. Confirmed that it just had not processed and it should clear soon. Confirmed my monthly payment again would be {$240.00} per month 5. Week later receive email from EdFinancial stating my loan is in delinquency and I owe the XXXX, XXXX and XXXX amounts. Stated back to them I had spoke with three customer service reps and they waived XXXX and XXXX and XXXX was {$240.00} - which had been paid. 
6. Went into my account today on XX/XX/30 to pay XXXX and STILL see my payment plan has not been adjusted. Agent who emailed me has still not responded back and it has been several weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: KEYCORP
State: OH

Complaint narrative:
I opened a Keybank XXXX and XXXX account on XX/XX/XXXX with funds from a recent house sale at the main XXXX, Ohio location at XXXX XXXX XXXX XXXX, XXXX, Ohio. Key, at the time, was running a 5.00 % APR special for the XXXX. I deposited over {$290000.00} into the account during the time it was open. When we found our next house, I needed the funds to purchase the new house, so on XX/XX/XXXX I visited the branch to close the account. During the account closing process, the teller 's system 'froze ' and they were unable to produce a check in a timely manner. I had to come back to the branch XXXX hours later to get the check. When I came back, I realized the check was for the book value of both the checking and savings account, without any additional interest for the XXXX of the month the account had been open ( from XX/XX/XXXX through XX/XX/XXXX ). I inquired, before leaving the branch with the check, as to the reason they were not including the additional interest, and was told by the banker I worked with that the standard process is to mail a check and I should receive it within XXXX weeks. I waited XXXX weeks, and began to inquire as to the reason I had not received the check. I first called their help hub on XXXX, and was told I would need to wait longer for the check to arrive, but was assured it was coming. I reached back out on XX/XX/XXXX, after the full XXXX weeks again and was told I would need to go to the branch as they would need to generate another check request, but was assured the funds would arrive eventually. I went to the branch, and spoke to their branch manager who said he would need to check with another group in the bank. On XX/XX/XXXX, I visited the branch again, and the branch manager indicated he did not follow up with the group, and would need to reach back out to them. 

Later that day ( XX/XX/XXXX ), he finally got back to me and said the reason I had not received the check, after being assured the funds were going to eventually be sent to me by XXXX different employees, was that I did not allow XXXX business days between the last date of interest paid, and closing the account according to the terms and conditions when I first opened the account. I was on day XXXX, because XXXX XXXX ( which most institutions do not regard as a holiday ) fell on XX/XX/XXXX. I feel I have been treated unfairly, and deceptively as this was not explained to me at the branch on the day I inquired about it, the same day I closed the account. Had I known this, and the branch was able to provide a correct reason, I absolutely would have waited an additional day to close the account. In addition, I was promised by XXXX employees the funds were on their way to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WESTERN ALLIANCE BANCORPORATION
State: CA

Complaint narrative:
I was charged for corporate fee of {$45.00} showed on my mortgage statement. I called and asked what the fee was for. The representative informed me that it was for the inspection fee, which I was never informed about the fee anytime during the mortgage assistance application starting on XX/XX/2023. I requested over the phone several times to request for the refund of the fee and have the case escalated to a manager on XX/XX/2023. 
However, until now, no one has got back to me.

Company response to consumer: Closed with explanation