vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA

Complaint narrative:
This is pertaining to corrupt practices for Heartland ESCI. 

Dated XX/XX/XXXX ( Today ) I've always made payments by the due date or within the grace period. 

I made a payment for the month of XX/XX/XXXX with a due date on XXXX XX/XX/XXXX for an amount owed of approximately {$290.00}. I made the payment in the amount of {$310.00} on XX/XX/XXXX. 


Today I was informed by a Heartland ESCI representative that because I paid early in XX/XX/XXXX and the payment was recorded for the month of XXXX, my XXXX payment, made on XX/XX/XXXX ( which falls within the grace period of 9 days as informed by the representative ) only went towards the interest accumulated between XX/XX/XXXX and XXXX as there wasn't a payment made in the calendar days of XX/XX/XXXX ignoring my XX/XX/XXXX payment for XXXX. 


( FYI : My XXXX payment was made on XX/XX/XXXX ). 


So, because I made an early payment on XX/XX/XXXX for XXXX ( which was documented as a payment towards the XXXX billing ) I am being penalized by having my next payment goes towards the interest that accrued from XX/XX/XXXX to late XXXX as the system didn't make my payment for the interest that would have accumulated as of the XX/XX/XXXX. 

I've paid higher than the expected billing amounts the past few months, but I'm still asked to pay a lot more. 


Now I'm being asked to pay {$460.00} dollars after making my XXXX payment of approximately {$290.00} on XX/XX/XXXX which is in the grace period. I haven't been previously notified of any increases and I shouldn't see such see increases now. 

Historically my payment has been {$270.00}. 

Now with the interest of trying to preserve my credit score/history, I will have to make an extra, unnecessary payment. 

These are unfair practices. Please help or investigate Heartland ESCI consumer practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I was approved for a charge card with American Express in XX/XX/2020. The card has no preset spending limit, however for the last several months I have had ongoing issues using my card and understanding my credit limit. I have used my card numerous time and it has been declined, which quite embarrassing when using it in a public place. In addition, I receive ongoing emails about how future purchase may be declined, when I have a low balance. I need to feel comfortable using this credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
This is a brand new complaint. Affirms has not resolved the issue. I need # '' s name and address for the legal department. I keep getting hung up or told that affirm only follows XXXX policies. Do not close this complaint as duplicate because it's not resolve and needs addressed. 

affirm refuses to send me any kind of proof that i owe this loan. i do not owe because i never received the merchandise. there is no proof i received the merchandise or opened this account XXXX from affirm ( XX/XX/22 at XXXX ) said my account with affirm will be deleted and my money refunded on XX/XX/XXXX. I have this phone call recorded.I am tired of being forced to pay this loan when I do nopt have the merchandise I am tired of being lied to by affirm. I do not owe this loan and I am being XXXX  to pay. Affirm credit financed an item for me from XXXX the order number from XXXX was XXXX. The package from XXXX never arrived, although tracking shows it was delivered, I never received the package. I asked XXXX to help but they refused saying the packaged was delivered and i need to dispute the item as not received with Affirm. {$440.00}. So i finally disputed the item as not received with Affirm and i immediately got an email that says even though i disputed the item as not received with affirm their is nothing they can do because they must always follow and do anything XXXX tells them. This is ridiculous I do not have a valid loan with affirm because i never received the item. So i have no merchandise but yet I have a loan with affirm and they refuse to help in anyway and they have also threatened if i miss one payment they will ruin my credit for life. I am being XXXX  by affirm. I do not have any merchandise but they are charging me for it and refuse to help or investigate. I want this loan account cleared and marked paid in full because I DO NOT HAVE THE MERCHANDISE. Attorney general is also being contacted

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The following companies have frequent inquiries on my account at least once a month since XXXX 2021. This has resulted in many unsolicited credit offers and the appearance that I need credit. I was recently turned down for a car loan by XXXX XXXX XXXX even though I have excellent Credit ( XXXX ) List of offending parties ; # of credit inquiries since XX/XX/2021 ; phone # XXXX XXXX : 12 inquiries ; ( XXXX ) XXXX XXXX XXXX  XXXX20 inquiries XXXX ( XXXX ) XXXX XXXX XXXX : 71 inquiries ; ( XXXX ) XXXX XXXX XXXX27 inquiries ; ( XXXX XXXX XXXX XXXX XXXX:27 inquiries ( XXXX ) XXXX XXXX XXXX : 24 inquiries ; ( XXXX ) XXXX I need these inquiries removed/stopped, unless initiated by me. 
Regards

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 2022-10-04 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Enterprise Systems, Inc.
State: OK

Complaint narrative:
My debt was XXXX because of XXXX fraudulent practices, which XXXXXXXX XXXX XXXXXXXX was well aware of. They passed the collection off to National Enterprise Systems who keeps attempting to collect. Ive told them that they can check with XXXX XXXX and/or Department of Education for XXXX, but they insist on pursuing the XXXX debt and I want them to stop. Please make this happen.

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 2022-10-04 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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. 
XXXX XXXX  or leases Total balance : {$22000.00} XXXX XXXX XXXX LATE PAYMENT Balance {$22000.00} Balance updated XX/XX/XXXX XXXX closed account XXXX loans Total balance : {$30000.00} XXXX XXXX XXXX  Balance {$30000.00} Balance updated XX/XX/XXXX 6 closed accounts XXXX loans Total balance : {$690.00} 2 closed accounts XXXX Total balance : {$250.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX 
XXXX {$250.00} XXXX updated XX/XX/XXXX Collections can stay on your credit report for up to 7 years from the delinquency date, but they typically affect your FICO Score less over time. 
XXXX These lenders have accessed your credit file : XXXX XXXX NA Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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. 
XXXX XXXX  or leases Total balance : {$22000.00} XXXX XXXX XXXX  LATE PAYMENT Balance {$22000.00} Balance updated XX/XX/XXXX XXXX closed account XXXX loans Total balance : {$30000.00} XXXX XXXX XXXX Balance {$30000.00} Balance updated XX/XX/XXXX XXXX closed accounts Personal loans Total balance : {$690.00} 2 closed accounts 1collection Total balance : {$250.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX 
Balance {$250.00} Balance updated XX/XX/XXXX Collections can stay on your credit report for up to 7 years from the delinquency date, but they typically affect your FICO Score less over time. 
8inquiries These lenders have accessed your credit file : XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/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 2022-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
Navient Student loan lender has applied late fees to loans while I was in school or while my loans were in forbearance. I have reached out to Navient to fix the loans that it applies to but they only gave me the run around. They have also added more interest then what they should have I had a {$3.00} or XXXX XXXX dollar loan that is now over {$10.00} XXXX dollars. The {$10.00} XXXX dollar amount shows that it was transferred to aidvantage on XX/XX/XXXX but was with Navient a few years back at {$3.00} or {$4.00} XXXX at the time. I asked about this and Navient could not explain either situation. Navient over the years has always added more then just interest and will not fix it. Also to note that {$10.00} XXXX dollar amount that started off lower than that was from XXXX and which is over the amount of time to collect. They put it as if it was a new debt and it is not. They have done several amounts like this that was well over the collection time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My husband passed away on XX/XX/2022 and the bank put a hold on half my savings account on or around XX/XX/2022. It's a joint account but because the account was opened years ago in NC they said we neglected to " check the little box '' on the signature cards giving other account holder 100 % of survivor funds. I called the bank and spoke to my first Customer Representative. They told me I would need to go to the probate court in NC and get a small estate affidavit. I reminded the representative that my husband died in XXXX where we live and the court in NC would not have a record of his death. She said I would need to get the document from a probate court in XXXX and that it is considered a legal document. I went to probate court in XXXX and they didn't know what document the bank was requesting and could not assist. I hired an attorney and the day before I was to meet him, I got several forms from Bank of America asking for me to complete and return to the bank ( notarized ) or go to local bank and have them sent to BofA XXXX XXXX. I took the affidavit to the attorney and he completed and notarized. On XX/XX/XXXX, I met with a local BofA representative in XXXX  and they called the XXXX XXXX and all documents needed were sent to the XXXX XXXX. I was told it would take 8 to 10 business days for hold to be released. About 9 days into this period, I received another letter from BofA asking for more documents ( a Letter of Instruction ) that the local representative said was not needed " per the XXXX XXXX Rep '' she spoke with the day I was in the bank. I sent it electronically anyway. I went back to the local bank on XX/XX/XXXX. I spent one hour trying to get resolution. I was told on XX/XX/XXXX all documents were on file and the hold would be released in 2 business days. On the 2nd business day, XX/XX/XXXX I received another letter from BofA asking for yet another document. This document was sent with the XXXX and XXXX XXXX on XX/XX/XXXX. I called BofA again XX/XX/XXXX and confirmed they have all documents and then was told it would take 8 business days for hold to be released. I said no and asked for a manager. I was told I could not talk to the manager and worst-case scenario my funds would be available in another 2 business days. I hung up and went to local bank and no one could meet with me. I asked for a phone call from local BofA representative, and she basically said they could not help me, and I would need to keep working with the XXXX XXXX. BofA has had control of my funds now for approximate 25 days

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 monetary relief
Consumer complaint received 2022-10-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
Freedom Mortgage helped me with a Loan modification due to Covid-19. Once my Forbearance was over I received a Promissory Note that I had to sign and get notarized detailing principle amount, Unpaid principal amount, new principal amount. It also stated the new balance with interest rate the same at 2.750 % beginning XX/XX/XXXX. This promissory note is on file in my statement section with Freedom Mortgage dated XX/XX/XXXX which I assumed is the day they received it since I had it notarized XX/XX/XXXX So after a few months after I haven't seen any changes with my account still stuck in lost mitigation. I called and they said something was wrong with my name in the system and that it was taking longer than expected to move on from lost mitigation. I did continue making payments with my new monthly payments based on the information on file with my modification based on the adjusted amount and interest at 2.750 % I called again asking what is taking so long and someone from freedom mortgage said that the account was being held up due to that spelling of my last name. However once he looked at the paper work the person stated that was no error on the paper work and my name was correct. If I remember correctly he said that I should receive last documents to sign to finalized everything. 

Once I received paper work some time in XXXX and due to my schedule I barely made the deadline to mail them but I did without reading it as I should have cause the final paper work did not match my Promissory note with the interest rate now 2.990 % When my account was out of lost mitigation I did notice the interest rate change. 
I called immediately to inquire about this and I was told on two different occasions that this was an error and they would sent it to the higher up management and to expect a call one this was done. NO one ever called me so finally today XX/XX/XXXX Someone told me is would not change back to the 2.750 % and it will be 2.990 % Called back after reviewing paper work and I knowing I was told and in writing the interest rate would remain at 2.750 % along with it being wrong I was told but another person she would submit my concern about the promissory note with the original agreement I made the Freedom mortgage. Was told that they cant promise another outcome but would note that originally there was a hold up on my paper work with name spelling but that was never the case and the promissory note did state the agreed 2.750 % .... I have to call back Tuesday to see the outcome. 

Truly frustrated that the modification did change due to them prolonging this process when back in XXXX a agreement was made and but they said my last name was wrong on paper work when it was not. I was told this would be a simple process and now It doesn't seem so.

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 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was told these credit card application would be soft inquiries and would not show up on my credit report. In addition, I went to purchase a vechilce and only gave authorization for one inquiry. The dealerahip sent it to various bank without conset. Please delete this unauthhorized inquiries from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was told these credit card application would be soft inquiries and would not show up on my credit report. In addition, I went to purchase a vechilce and only gave authorization for one inquiry. The dealerahip sent it to various bank without conset. Please delete this unauthhorized inquiries from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Dear SXXXX XXXX XXXX, I am writing to you under the Fair Credit Reporting Act as I want my credit report to be 100 % accurate and complete. I do not want incorrect or misleading information on my reports. 

I am disputing false and inaccurate information on my credit report with your companies and I want all of you to carefully investigate and delete all false information related to my biological information. 

Here is the only correct information that you should be listing : My name is : XXXX XXXX My date of birth is : XX/XX/1959 MY Social security number is : XXXX The only correct address is : XXXX XXXX XXXX XXXX XXXX PA, XXXX The only correct phone number is : XXXX XXXX XXXX I only am employed at XXXX XXXX XXXX XXXX The following information used to be correct but is now wrong and I do not want this incorrect information on my credit report. 

XXXXAt one time in the past, I lived at the address of XXXX XXXX XXXX XXXX PA XXXX but no longer live here. I do not want any person or company to use these old addresses because I do not want to run the risk of identity theft or my personal information going to a bad address. 
Remove this incorrect information. 


I see false information that was never correct. Make sure you delete any other personal information items other than the correct items I have listed above. To help, here are some entries that were never correct that I want to delete ASAP : My name has never been : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX I never lived at these addresses : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, OR I never had these phone numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I never worked at these places of employment : XXXX XXXX

Company response to consumer: Closed with explanation