vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: INDEPENDENT BANK CORP.
State: MA

Complaint narrative:
I set up an overdraft protection account to stop overdraft fees, yet they called it a " line of Credit '' AFTER I set it up and went through the application process. 
THey charged me over {$350.00} in fees. 
After many phone calls, they said that they would agree to give back all but {$150.00} an that was their policy .... 

I think I should get all of those fees back as I am a long time customer and have many accounts with them including an very old {$5000.00} overdraft protection plan! 
I communicated this in person at the branch too so the Branch manager new exactly my intent and goal to do banking with out the fefar of huge fees. 

So i had to pay for a new account AND the fees too! 

I get I can bank elsewhere but isnt that wring to lead a customer on and let them think they are all set and protected against aggressive fees?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-01 00:00:00
Product: Credit 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I filed a fraud claim with Barclays US. 
My claim was denied claiming that the company produced evidence of the charges validity. The evidence was not explained to me. The representative, XXXX, told me that it should have been filed as a dispute rather than fraud, and that she was unwilling to allow me to file a dispute for the illegitimate charge. 

She told me that I had no choice but to pay the fraudulent charge and that if I did not, I would continue to accrue interest and late payment fees. I was left with no other recourse but to file a dispute against Barclays US. I have never had a credit card company be so rude and unhelpful, and I have had cards with multiple other companies. Stay away from Barclays US!

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 2023-11-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
My wife and I have been trying to have her student loans adjusted ever since we were directed to submit our income for the new repayment plan. We made multiple calls to Mohela and stated that we were unable to afford the new payment plan. Our repayment plan has increased by at least {$1000.00} per month ( combined ). Under the new SAVE repayment plan it was supposed to save us money it does not. We both tried calling the company and weve re-stated our income, defendants and updated all of our information. We always leave feeling the good when we get verbal communication that out loans will be reduced upon review. The new numbers are actually quite favorable and something that we can afford. However, in the case of my wife, we waited for at least a month, and we found out when payments were due that her payment had not been adjusted. I also phoned and asked for mine to be adjusted on the second call I did speak with someone that told me my payment would almost be halved - today XX/XX/XXXX. Im expected to wait up to 45 days for a response. In the meantime, Ive been offered a golden ticket forbearance. Im told interest will accrue but I cant say that Im delighted about it. I would much rather be making the correct payment each month! In the meantime, the payments I should be making drag on and affect my public service loan forgiveness. 

I can not understand why an organization that has requested and has access to our financial records, Can not make a determination over the phone on what our repayment plan should be. Im baffled as to why the online platform gives me far different numbers then what the advisor on the other end of the phone gives me. I also, somewhat expect that when I call an organization with financial concerns, itll be resolved quickly so that it doesnt cause any financial stress or worry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BMO BANK NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I report a charge to my account and disputed it then XXXX told me he is closing my accounts because I told them I was filing a police report and speaking legal he then told me that no one in the bank can override him he is the highest person in the bank. When I then as to speak with his manager and about my dispute he hung up on me. I want him to be XXXX and them to reopen my business account asap.

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 2023-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: MD

Complaint narrative:
I routinely transfer funds from my Money Market Account to Pay Down my HELOC. I do these transfers online, and both accounts are at First National Bank. The transfer out of the Money Market account occurs instantly, but the pay down of the HELOC account can take days to weeks. In the interim, it is not clear what is happening with these dollars. I lose interest on the withdrawn funds immediately, while I continue to pay interest for days to weeks on the HELOC. Is this a normal banking practice? Does it warrant a complaint? Should this be a class action? This involves a loss of a few hundred dollars per year for me, but if magnified across the entire customer base, it could be a very, very significant loss of dollars for the customers and unwarranted gain to the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: LD Holdings Group, LLC
State: WI

Complaint narrative:
I have a FHA loan and loan depot.com llc is the original lender. I failed behind on my mortgage payment due to divorce and hardship. Loan depot did not offer me a loan modification or any help to prevent foreclosure. I received a letter from loan depot.com LLC stating that XXXX XXXX XXXX is my investor and whom the debt is owed to! XXXX XXXX XXXX is known for securitization on mortgage back securities XXXX which loan depot has sold my mortgage security on a secondary market and is no longer able to in force foreclosure on my property! Loan depot.com llc have violated many of the CFPB and Tila rules and regulations. 

1. CFPB violations, transfers between affiliates Loan depot informed me that they have sold my loan to a new Servicer and that new Servicer was also loan depot.com llc 2. Tila violation, requesting and making money transactions for down payments on a consumer transactions 3. Using robo signature and unlawful Notary, outdated information, XXXX is no longer a Sub Servicer for loan depot.com llc all this is on a Assignment of Mortgage 4. Not offering loan modifications or loss mitigation to prevent foreclosure

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: LEXISNEXIS
State: MI

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.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX purchased a XXXX XXXX XXXX for over {$46000.00} from XXXX XXXX XXXXXXXX, WA, by opening an auto loan through my Bank XXXX XXXX account using my stolen ID which he purchased on the Dark Web. He has since been caught and is awaiting trial for his crime which included dozens of other victims. Upon learning of the theft, I immediately disputed the fraudulent auto loan with XXXX and XXXX XXXX, but could not log on to Experian to freeze my credit and begin a dispute. XXXX XXXX was able to break into my Experian account, change the password as well as security questions, phone numbers and email accounts. I have tried now for OVER XXXX MONTHS to work with Experian to access my account with them to protect my credit, all to no avail. This is the single most frustrating event in my life, trying to work with this insidiously stupid and uncaring credit reporting company. I have made at least a dozen calls to them, and when finally after half an hour someone answers the phone, they can barely speak English, they can not understand the problem ( " I can not logon to my account because an identity thief broke into it and changed all the information needed to prove my identity. '' " Yes sir, before we can proceed please tell me the name of your childhood best friend. '' " I can't do that because that answer was changed by the thief. '' " Ok sir, you have exceeded the number of log on attempts so I am locking you out of your account for 72 hours. '' The moment, and I MEAN THE MOMENT, you ask them to please not do that yet again or please let me speak to the supervisor... they hang up. EVERY TIME. I have XXXX credit protection, and had their Restoration Department agent listen in on this conversation, and he was openly dismayed at this happening to me- he heard every word. More than that, if I try the " Forgot Password '' technique, it doesn't recognize my personal cell phone #, or email address to send the link to create a new password, despite their customer service agents swearing that they updated that information. When I tell them the message I receive attempting to reset the password, they hang up. EVERY TIME. I even went so far as to mail them a stack of papers, as they requested, to the XXXX, TX address they provided, proving my identity so as to wipe my account clean. No joy, they tell me that resetting the password should work, and when I tell them their program is still looking for the fake phone number and email, they hang up, leaving my acount unprotected and undisputed.

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 2023-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
Verve platinum credit card services charged me with three XXXX $ late fees starting on XX/XX/2023 to XX/XX/2023. All of the min amount due monthly payments were made on time for this month. When reaching out to the credit card company they stated that my account was set up to pay a standard amount of XXXX $ per month. I do not recall submitting this at any time and they can not provide a statement or any documentation of when this may have been done. Then in XXXX when my balance was due of XXXX $ and some change that whole amount was taken from my account, at which time I called and was made aware of the information I just stated since I was making payments on time and did not check my account for a few months since I had set up recurring payments. At that time I asked them to provide me with a statement showing the change I have made for them to legally process payment for the XXXX $ since it was not the XXXX $ amount they stated is the payment arrangement I set up. They told me they do not show of me making that change and can not explain how or why it was done. I let them know if my min amount due changed previously why at that time before charging me with XXXX XXXX $ late fees totaling XXXX $ would they not take out the min amount due instead of the standard payment they say I set up of XXXX XXXX They could not explain this as well. At this time I have asked them to close the account to no longer acurre fees but I am still paying for these fees as well as the late fees. I asked them to open a claim and that my fees should be waived since I did not authorize any change or the increased amount to be taken from my account but they have failed to do so. At this time I need help in resolving this account. Thank you

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 2023-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc.
State: GA

Complaint narrative:
A.R.M. Solutions ( California License No. : XXXX began robo texting me XX/XX/2023 at XXXXXXXX XXXX regarding a debt owned to them by a company named XXXX. I am not XXXX and owe this company no debt so I replied STOP to end the texts. I then began receiving calls from A.R.M. Solutions. They call and ask to speak to XXXX. I reply that I am a private citizen and am not XXXX nor am I responsible for XXXX 's bills. They keep telling me they will take my number off the account but the calls still come. Yesterday, XX/XX/2023 at XXXX XXXX  I was home sick and received another call from A.R.M. Solutions asking to speak to XXXX regarding a debt. I informed the person I was done with their lies to remove my number and that I was filing a harassment complaint with the FTC. 
I want these calls to stop. A.R.M. is perfectly capable of using XXXX to contact someone with XXXX in order to have this debt paid, yet they continue to call and harass me. The persons calling me have promised multiple times to stop calling me yet they continue. I would like a copy of all the records of their calling and harassing me so I can pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit 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 2023-11-01 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXP 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I called immediately to let them know of this issue. I was advised that it would be an hour, up to the next business day to resolve. 

Everyday for the next few days after that I was advised that they are working on it, but still ( even after assigning a " case manager '', the issue has not been resolved. 

My account is not only frozen, but also my account now shows negative + {$1000.00}, as they subtracted the entire {$3000.00} amount from my account. 

Just prior to the account freezing, I had to forward money to another outside account, taking my account to {$1.00}. I have bills to pay. 

I was not only able to demonstrate that the person who wrote the check was sitting right next to me ( whom had his own check to himself, to his chase account was frozen for a day ), but also that he was the same person whom has been sending money to my account on a regular basis. I also advised that it was necessary for them to clear this up because this money went directly to bills in both my Chase account and the other account that I regularly forward to.

I have contacted the caseworker assigned to get updates, but have gotten nothing but standard jargon on the number of days Chase is allowed to respond or fix an issue ( to XX/XX/2023 ). A short time ago he reached out advising that it will take even longer ( to XX/XX/2023 ). 

Meanwhile, my bills are still coming in and I am scrambling to get them taken care of due to this issues with my Chase account. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I used Affirm to buy a product and pay over time. 

Towards the end of the monthly payment cycle, I had unknowingly made a mistake and opt out of automatic pay system. This resulted in my account being late for my payments. After finding this out, I had called affirm, I believe XX/XX/2023. I spoke to an agent, the agent let me know that there was still time to make the payment. Immediately after hanging up, I made the payment in full through their app. The payment was processed by XXXXXXXX XXXX, and I thought that was that. 

Few months later, I noticed that my XXXX credit was significantly lower than the other two credit bureaus. I came to find out that they had written me off, representing to XXXX as if I had not paid the debt. I called Affirm and spoke to a supervisor. I was told that I was written off as of XXXX XXXXXXXX XXXX, and because my payment came through on XXXX XXXX, there was nothing they could do. 

The time it takes for their app and my bank to process the payment is out of my control. They fully know that once you click " pay '' on their own app, that the payment isn't made instantaneously. Even though I listened to the advice given me by one of their representatives over the phone on XXXX and paid the owed amount in full, they made a false representation to XXXX. All of their phone conversations are recorded and if they wanted, they have the ability to verify and help solve this issue, but they refuse to. 

I am submitting my XXXXXXXX XXXX statement, and a screenshot of confirmation email received from affirm regarding my payment made on XXXX as supporting document. If needed, I can also contact my old phone carrier and try to get a record of me calling Affirm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX I was email saying I owe {$310.00}, which was my monthly charge. That made sense. I used Nelnet 's " Pay By Account '' feature on their website which said I owed {$310.00} by XX/XX/XXXX or something near the end of the month. I paid that on XX/XX/XXXX, which processed just fine. Everything seemed fine. 

On XX/XX/XXXX I got an email saying my account were past due. I Immediately called Nelnet. Which I waited on hold for over 2 hours, seems wild that a student loan provider company cant have reasonable customer support. ( Check reddit, almost everyone has 1-2 hour wait times ). I then got a representative that did not know why my account showed past due and couldn't support me. I waited on hold for another half an hour for them to say my payments were allocated only to two of my loan groups. So now I dont owe money on those groups till XXXX and XXXX. Not only that, I checked XX/XX/XXXX ( was paying off some parent plus loans ), and it said I didnt owe any money till XX/XX/XXXX. They company wrongfully allocated my money, failed to tell me I owed money, and then charged late fees for a payment they screwed up. They are going to reallocate my payment to be on all groups, but im lucky I could afford to sit on a phone call for over 3 hours, not everyone can. 

This is completely unacceptable behavior for a company. They have a bug with their code where the " Pay by account '' feature and paying your monthly due payment, actually wont pay your account dues, and randomly allocate that money to only some groups. They then dont tell you that you have a payment soon, just so they can make extra money on late fees. This should company should be investigated and audited. This is the same company that in XXXX was found guilty of fraud, and now they are using these same tactics to exploit student loan borrowers

Company response to consumer: Closed with explanation