vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: VA

Complaint narrative:
XX/XX/XXXX I refinanced my loans with XXXX, a private company that refinances student loans. The total amount refinanced was around {$17000.00}. I made monthly payments over the past 2 years with interest to pay off this loan during the pandemic. 

XX/XX/XXXX After learning Biden-Harris Student Loan Forgiveness plan XXXX I immediately thought that it didn't affect me and I was already out of luck because I had refinanced my loan. That was until seeing this post on XXXX : XXXX  : XXXX. The original poster mentions that although the loan was refinanced, all that really happens when a loan is refinanced is a private company makes a payment on your behalf, the Federal loan still belongs to the student, and under the CARES Act, should be able to be refunded. The original poster also contacted XXXX and they have said that because their payment has details about who it is for, they can forward any refund request to the original lendee. 

After reading this I decided to call my Federal loan servicer, Great Lakes, and request a refund like many others were doing. There was no argument, they submitted the request and I thought everything was good. 

XX/XX/XXXX I call Great Lakes again to check the status of my refund. Unfortunately, the news that I receive is that the request had been denied about a week earlier, I think on the ninth. The reason for this I was given was " because the payment was made by a third party ''. 

I don't know why this would matter under the CARES Act, as the loan still belongs to me, not XXXX. Furthermore, some people are getting refunds sent to XXXX : https : XXXX. Why are some people being treated differently? 

Also, the process I am trying to take is what is being promoted by the XXXX XXXX XXXX XXXX : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 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: HI

Complaint narrative:
The loan servicer didn't appropriate a timeline for when refunds will be handled, told me till XXXX. And I was giving no updates or tracking info about the refund status. I reached out but no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 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: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
for the last year and a half I been dealing with this situation with Commenity credit card company.I have written letters and they continue to say 15-45 days we will help and resolve this issue pending investigation with no response from the company, I have requested phone calls and emails from them and they continue to disregard.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America recently reopened an old checking account that was closed over ten years ago, without my knowledge, request, or approval. 

Calling their customer service three times, I was transferred to a dropped call, transferred to the wrong department after a 45 min hold, and finally put on hold for over an hour for a different department before I gave up for the day.

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 2022-09-17 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: UT

Complaint narrative:
I am a natural living person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because according to 15 USC 1681, I have the right to privacy and did not give Equifax written permission to furnish these accounts. 

XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I pay the balance of the bill of Capital One business card on due date the XXXX of every month and they still charge me Interest but they tell me I don't pay it till the XXXX something is wrong with their system I've called numerous times to resolve the problem to no avail

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
I applied for a XXXX credit card and was denied because of bad debt that was reported from XXXX. I have perfect credit so this was a shock. I have received phone calls and bills stating that I owed money in the amount of {$1400.00} to XXXX XXXX XXXX XXXX I spoke to Midland Credit Management and informed them that this wasn't my debt. I didn't initiate any transaction through XXXX. 

I have in the past requested documentation with no resolve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: GOLDMAN SACHS BANK USA
State: OR

Complaint narrative:
I made a purchase to upgrade seat on XXXX XXXX for {$290.00} on XX/XX/XXXX. This charge appeared twice. I called XXXX and they did not charge twice. I called Apple/Goldman Sachs XXXXhe same day to report the error. It was in dispute until XXXX when XXXX  requested more info for DXXXX. I contacted XXXX on XX/XX/XXXX and got copies of receipts for a one time purchase of {$290.00} and sent to Apple/Goldman Sachs in which I was told the dispute was closed and I owed {$290.00}. At that time XXXX found errors and reopened the dispute and sent more info to Goldman Sachs. I was told it would take about 10 days. I called today and was told it was still being worked on. The second {$290.00} is due XX/XX/XXXX. I am unclear why this is taking so long and who is being paid a second {$290.00} when XXXX never charged me. My call was disconnected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX as I was checking out my Experian credit report I notice several inquires on my credit report that I did not authorized. Below are documention of inquries in question. 

1. XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Automobile Dealers, Used Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX 2.XXXX XXXXXXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Credit Unions Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone XXXX ( XXXX ) XXXX 3.XXXXXXXX XXXX  Important dates Inquiry date XX/XX/XXXX Removal date XXXX XXXX Additional details Business type Auto Financing Companies Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX 4.XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX  Additional details Business type Auto Financing Companies Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX 5.XXXX XXXXXXXX XXXX XXXX  Important dates Inquiry date XX/XX/XXXX Removal date XXXX XXXX Additional details Business type Auto Financing Companies Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX 6.XXXX XXXXXXXXXXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal XXXX XXXX XXXX Additional details Business type Auto Financing Companies Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX 7XXXXXXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Bank Credit Cards Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Automobile Dealers XXXX Used Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
A block was put on my account ; apparently, when I went to change the password as instructed, the app either didn't recognize it ( because I changed the password ), or something else created an issue. I was told that, because I moved out of state, any activity could have triggered an alert which may have blocked my account. The problem is that the phone lines that were offered to me to resolve the issue are either not working or someone forgot to do something while using the phone system, which wreaked haavoc when trying to contact anyone in the fraud department. I was given several phone numbers to try ; each had the same message : 'due to unforeseen circumstances, we are unable to take your call at this time. Please try your call again later. ' This outgoing message has been going on for DAYS ... now, I am unable to pick up my prescription, and as a high risk for XXXX patient, I think that this unforseen circumstance could have been better handled and forseen by the bank administrators. I had to speak with an unruly bank representative and called her back ; she hung up because she didn't have anyone there to help, and my personal banker was with another customer in a meeting. I was finally able to reach my personal banker, but all the numbers she offered had the same outgoing message.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Nations Direct Mortgage, LLC
State: MD

Complaint narrative:
I have a mortgage with Nations Direct Mortgage , LLC. The loan number is XXXX, the property address is XXXX XXXX Ct, XXXX, MD XXXX. 

Nations Direct Mortgage is the loan originator and servicer, the lender is XXXX XXXX 

I am filing complaint against the loan servicer, Nations Direct Mortgage, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX. Their customer service number is XXXX Facts : 1. I filled mortgage forbearance for the loan in XXXX. 
2. I received a letter from Nations Direct dated XX/XX/XXXX. In the letter I was told that youre approved for a Trial Period Plan to modify your mortgage payment. During this trial period plan, you will be required to make three monthly payments in the amount of {$2900.00} each. 
3. Since then I have been paying {$2900.00} monthly until this month, XX/XX/XXXX. 
4. I called Nations Direct many times asked the final modification of the mortgage. The first call was on XX/XX/XXXX, I was told that Nations Direct would send formal modification document after the trial period. The last call was on XX/XX/XXXX, and I was told that the modification was still under review. 
5. Around XXXX, XXXX, Nations Direct reported to credit bureau a negative record for this loan, significantly damaged my credit, this record is groundless. 
6. Early this month, I sent a letter to Nations Direct via US mail, asked Nations Direct for ( 1 ) remove the groundless record from credit bureau. ( 2 ) Finalize the still under review process.

7. Today, I received a letter from Nations Direct, notified me appraisals developed in connection with a loss mitigation application. 

I am filling the complaint and want 1 Nations direct finalize review for notification process, approve or deny, and give me the reasons.

2. Remove the negative and groundless record regarding this loan from credit bureau.

Thank you XXXX XXXX XXXX XXXX Ct XXXX, MD XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Chase uses an deceptive system of charging interest. When statements come, they have an amount due on the statement. If the amount is paid in full, by that due date, they continue to charge interest so that a person believes they have paid it off but more interest is posted when the next statement comes out. Failure to catch that would result in late fees and additional interest. A reasonable person does not expect to be charged further interest when there is an amount in huge, bold letters on the statement that says it is the amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: UT

Complaint narrative:
This is a 3rd part debt. I'm now being sued for damages for the amount of XXXX. All this came about when I exited the XXXX and I didn't even get served my brother in law did.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been disputing XXXX XXXX account reporting on Equifax XXXX XX/XX/2022. I have made at least two request in the past 75 days for equifax to delete this XXXX account because of the inaccurate information its reporting. The inaccurate information is the months reviewed which is showing 53 months. However this account was opened on XXXX XXXX. The delinquent date is XXXX XXXX. If you count the months starting 30 days after the OPEN date up til XX/XX/2022 is not 53 months! It is 65 months of reporting/reviewed information. And this acct was SOLD but it does not show who the charge off account was SOLD TO as it should! This account does NOT MATCH with the reporting information on XXXX or XXXX. But They are STILL reporting this inaccurate information which has been on my report at least 3 years. This acct is affecting my credit score and have been the reason for me being denied credit. Please take this complaint seriously by contacting this Equifax and making them DELETE this account because they are not reporting according to the guidelines of the FCRA. Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

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 2022-09-17 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: Byrider Franchising, LLC
State: IL

Complaint narrative:
My rights as a consumer are being violated by the cooperation CNAC-M105. When entering this consumer credit transaction, I found many issues with this companys policies and procedures. Ive filed many complaints, but this company is not complying with what I am requesting. As a consumer I have the right to opt out of my personal information to be shared with any third parties, those third parties will include XXXX, XXXX, and XXXX. Per the Gramm-Leach-Bliley act it should have been made CLEAR AND CONSPICUOUS that I had the option to opt out of sharing my personal information. Yes, in the credit application it states that my information will be shared, but where was it made clear that I had the option to opt out of this? As a consumer I have a right to privacy. Also, I understand that it is CNAC-M105s responsibility to send out a yearly updated privacy notice, please confirm those have been sent over to me. This company claims that since the credit application stated that they report to the credit reporting agencies, that should suffice as a disclosure, but that is not enough, that is not federal following federal law. 

This corporation has also explained that this is a charged off account. I recently sat down with my tax accountant, and he explained that since I did not report this debt as income, I now have a chance of being audited by the IRS. I havent been able to sleep, and I am very anxious about being audited and being levied tax penalties due to CNAC-M105s unconscionable conduct by not sending the required 1099C form and attempting to collect a debt that has been cancelled. You are violating federal law ; I demand that this account is deleted from all consumer reports immediately. This will be my final attempt to resolve this matter before I must escalate this claim to higher government authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 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: HEARTLAND PAYMENT SYSTEMS INC
State: HI

Complaint narrative:
The loan servicer didn't appropriate a timeline for when refunds will be handled, and told me they don't know. And I was giving no updates or tracking info about the refund status. I reached out but no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 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: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights.15 u.s.c 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-09-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights.15 u.s.c 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

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 2022-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Grain Technology, Inc.
State: WA

Complaint narrative:
I am trying to log onto my grain account with no luck. I have reached out to the company and it takes them days to respond and when they do, they say that I need to delete the app and log in again. I have done this numerous times with still no access to my account. They rarely respond and when they do, its generic instructions. It says Ive been locked out of my account for 24 hours and its been this way for months. I tried to update my password and when I click on reset password, nothing happens. This is a complete mess!

Company response to consumer: Closed with explanation