vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
According to the Dept. of Ed., based on the date I applied for SAVE my application ought to have been processed by now, and I should have a $ XXXX. payment. Aidvantage placed my account on administrative forbearance until XX/XX/XXXX to allow them time to process my IDR application, which Aidvantage claimed would be processed between XXXX XXXX, and a borrower incentive program suspension notice, meaning not only is interest accruing, but it's a much higher rate than before the forbearance in part because I lose the little interest reduction I got for using Auto Pay. I tried to make a manual payment to at least cover some of the interest, but instead get a 403 error. Since I started in XXXX I haven't been able to get in contract with an agent on phone or Live Chat ( both are equally as awful -- hours of being on hold only to be hung up/disconnected, and when I'm given an option for a call back I never get one ), and it takes anywhere between one and three weeks to get a response via email, which is just a blanket forum reply that doesn't answer my original concern. As of today, XX/XX/ XXXX XXXX I've been on the phone for over three hours only to have just been hung up on again. Are these loan providers just using this forbearance to keep interests accruing for all us borrowers that should otherwise have a $ XXXX. payment?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: VW Credit
State: TX

Complaint narrative:
I would like to file a complaint regarding my car lease with Audi Financial Services, which is based on the following terms : On XX/XX/2023, Audi XXXX XXXX made a payment of {$55000.00} and some dollars to Audi Financial Services on my behalf to end my lease as they were taking early possession of the leased vehicle. Audi Financial Services subsequently sent me emails confirming that my account was settled in full. Additionally, on XX/XX/2023 XXXX XXXX mailed me a final statement of accounts confirming that no amount was due ( no excess wear coverage either ) on the lease and reported the account as closed to all credit agencies. 

It is important to note that Audi XXXX XXXX took possession of the leased vehicle on XX/XX/2023, and it has remained in their possession since then. Despite this, today, I have found out that Audi Financial Services re-instated my terminated lease without my authorization and I now are attempting to charge me again a monthly amount of {$1100.00}. When I contacted Audi Financial Services, they informed me that on XX/XX/XXXX, Audi XXXX XXXX called to withdraw the check and stated that the car was in my possession when, in reality, the car has been in their possession since XX/XX/2023 ( I have videos to support this ). 

Audi Financial should fine methods to request the owned money from Audi XXXX XXXX, and not me. 

I want this situation to be investigated, and the incorrect charge on my lease account to be corrected back to closed and with a XXXX balance, as Audi Financial Services can not open a new lease without my authorization as the original lease was terminated and closed as paid. This situation is highly concerning and requires an immediate resolution. 

I hope that the CFPB can take action to resolve this issue. I appreciate your attention to this matter and your assistance in resolving this situation. 

Vehicle info. XXXX XXXX XXXX XXXX. 
XXXX account number : XXXX Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Transworld Systems Inc is harassing me to collect a debt that I do not in any way owe. The debt is supposedly from XXXX a power company in XXXX  for a house I did own but for a time when I was not living there. The debt is for {$180.00} from XX/XX/XXXX. The last time I lived at the residence was XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Unauthorized charges made not by me. 

My bank decline the claim They say because I turned in items that were me, there were over XXXX or more that was not me at all. Those are the ones I want payed for, the others were mistakes because the day I started the claim I was uncertain on what was me, and not me because of how everything reads on the online platform it does not say names it says, addresses, and abbreviated words. It was very hard to decipher, I spoke to over XXXX to XXXX agents to were nice and kind and were trying to help the other XXXX were very condescending and asking XXXX questions. If you dont pass the question test and answer XXXX of them wrong they denied the claim, the amount is {$4600.00} not counting insufficient funds in late fee charges

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: MI

Complaint narrative:
I have been a victim of identity theft and my disputes are not being processed correctly. The paperwork I'm sending in is not being attached to my disputes and are not being followed according to the FCRA. And I am not getting copies of the verification process

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 2023-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: IL

Complaint narrative:
On XX/XX/2023 I logged into my online banking with US Bank, to add a XXXX Contact, my son 's hockey team manager, so that I could transfer her {$300.00} to deposit into the XXXX XXXX XXXX ahead of an out of state trip for a hockey tournament. I added her contact email address and tried to proceed with the transfer. The bank prompted me to confirm the transaction since her email address is in her name but the account is in the Team 's name " XXXX XXXX '' I confirmed that I wanted to proceed. Nowhere was I advised that I had limited number of confirmations, or that I could be locked out of my account. In fact the error message I got was that the error was on the bank 's end and did I want to try again. Yes. So I attempted to do this a second time, from the online app for my bank, on my phone, and I was again given the error that the problem was on their end, and did I want to try again. This time I attempted to login to my online banking on my laptop, only to find out that my username had been disabled and I needed to call the bank. I called the bank immediately and was told that I was on a 48 hour hold for online banking while the bank investigated the issue- the issue I was calling them to tell them I did attempt to transfer {$300.00} to my son 's hockey team manager. I was also advised that they could not lift the hold, even though I was calling to advise them that this was a valid attempt of using my account. So now I have no online access to my money, we are leaving for an out of state trip Thursday, that I can't pay for ahead of time as required by the team ( they don't want checks or cash ), and I have no ability to correct this or see my money until after I will have arrived for my trip. This is ridiculous.

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 2023-10-03 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: Nelnet, Inc.
State: IL

Complaint narrative:
( 1 ) My student loans were transferred from XXXX XXXX to Nelnet. I have been trying to get a record of past payments on my loan from Nelnet, but Nelnet has been unresponsive. I am not able to get this information from XXXX XXXX either. Payment history is not available on the Nelnet website. I have no way to confirm that the amounts transferred to Nelnet are accurate. 

( 2 ) My SAVE application is still pending, and Nelnet has been unresponsive to status update requests, except to notify me that Ive been placed on an administrative forbearance. I am unable to get in touch with Nelnet to confirm status or confirm whether payments can still be made during this time and whether they will be properly applied to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
A continuance from Wells Fargo case they say the date issued a {$300.00} credit to my account for my missing money but Ive never had access to account or card and if they did issue a credit I never received it go to the fact that account was locked was a family tried to regain access from my account being compromised

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 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Received XXXX XXXX notification of hard inquiry made on XXXX by JPMCB Card Services. Change in credit score was lowered by XXXX. 

I have not applied for any type of credit recently either through cards, loans, etc. 


Thank you for your assistance in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
My name XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX : {$8600.00} On XX/XX/XXXX I requested XXXX and I was told told it would take XXXX to 3 days.Well I called every Day.On the third day they reversed it and basically was like I never even did it.So I called back an said I wan na close my account from then on they have made it where I have no access to no of this money.There going as far as saying they can't verify me but I have answered every single security question and it's all on there recorded line.And I have the XXXX digit pin they've sent me several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This issue is been going on for some time, In two previous occasions I have ask Experian to stop charging me for services I didn't request or authorized. In XX/XX/2023 I called them and asked them to stop charging me and returned my money. They never did. At that time they were charging me {$14.00} for a period of XXXX month. They did not charge me on XX/XX/2023 but starting charging in XX/XX/2023 this time they charged me {$24.00}. 
I believe they are targeting older folks like my self, I am XXXX years old. It should be stop. I don't need to have a subscription I had one years ago and I learned that there are no benefits what so ever. They are an institution that does their job by reporting whether you have subscriber or not.

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 2023-10-03 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX This account does not belong to me. I have no knowldege of this account. I have sent letters over and over to dispute account. 

No response

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 2023-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CA

Complaint narrative:
I have a small business and I XXXX XXXXXXXX XXXX and I would send invoices and today they deactivated my account and the thing is that they are holding my money in the account for 90 days. I need the money to keep running my business

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened a Best Buy account XX/XX/XXXX, the credit card was issued by XXXX, Citibank. After filing for a divorce in XXXX I was unable to continue making payments, my last payment was XX/XX/XXXX. Shortly after this Citibank reported my account CLOSED, yet then reported to XXXX that I was late 73 months. However, Citibank then reported to XXXX that I made a payment in XX/XX/XXXX ( which is absolutely not true ). This is their attempted to keep reporting this CLOSED account beyond the legally allowed time of 7 years. 

I have made repeated attempts to contact Citibank and the only reponse I got was a form letter stating they could not identify me. The outstanding amount is {$650.00} and it has been since XXXX of XXXX. I don't understand how they could continue to report the account late when by their own reporting it has been closed since XXXX. 

I have worked extremely hard to restore my credit after a horrible divorce and have almost perfect payment history since that time, Citibank is absolutely impossible to contact and I can't get them to obey the fair credit reporting laws.

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 2023-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On XX/XX/2023, I got an email from Chase, saying that I owed {$35.00}, due XX/XX/2023. I didnt recognize the debt; found it suspicious. I tried to follow the links to find out if I owed and to pay for it, if legitimate. I tried to pay it, because the amount was so small. I knew it was Chase, but I had paid off the cardI had with them, and had not used it since. The links didnt work. So I waited to learn more. 

Next thing I know ( on XX/XX/2023 ) there was a late payment registered with XXXX, and its by Chase ( XXXX ). It lowered my credit score by 105 points! I called Chase and paid the {$35.00}. The agent could not say what the charge was for. I paid the balance due, asked them to close the account. I thought it was closed. I asked them to consider reversing that report of late payment. They told me to call XXXX. XXXX said there was nothing they could do, but I could file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have been trying for 6 months to dispute items. I have been sent back my letters in mail. I have been denied disputing online, yet transunion is still able to add negative items to my report and I have no way of resolving or defending my person. 
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore. any such debt, in fact therefore exists Transunion is in violation of 15 USC 1681, 15 USC 1692

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 2023-10-03 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Upon checking my report I notice that an account I do not recognize from SYNCHRONY BANK ( PayPal ) {$2500.00} Is reporting

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 2023-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Eagle Financial Services, Inc.
State: OH

Complaint narrative:
I have had many problems with this company claiming I applied for a loan with them and claiming is igned paperwork for a loan and claiming I signed and cashed a check issued by them. They also took extreme measures and hired a lawyer to seize my garnish my paychecks even tho i submitted overwhelming evidence that I never and I repeat I never signed a check with my name and or cashed it out at XXXX XXXXXXXX XXXX. I state this bank because the lawyer states my check was supposedly cashed there. And it certainly was not cashed or signed by me. It is illegal to garnish wages on a loan that has fraud on it and if it continues I'll go more than just this route and counter sue you for defamation of character as well as unlawful wage garnishment and unlawful business pratices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Duty pursuant to the FCRA, it is EQUIFAXs responsibility to be reporting correct and accurate information on my credit report and file, however they are NOT. EQUIFAX is reporting 22 inaccurate late payments for the 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 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 XXXXXXXX XXXX. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in EQUIFAX violating my federally protected consumer rights. To add to this, I did NOT give EQUIFAX written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP
State: MI

Complaint narrative:
On XX/XX/2023 I opened a Key Business Reward Checking Account at Key Bank located at XXXX XXXX XXXX XXXX. XXXX XXXX, MI. The account was opened with the marketing code : XXXX, which gives a {$500.00} bonus with the following criteria met : -opening deposit of {$25.00} -make 5 eligible withdrawals and 5 eligible deposits -maintain a minimum daily balance of {$2000.00} in the first 90 days.

I have met and even exceeded each criteria listed above, however Key Bank has not deposited the {$500.00} bonus in my account and they have refused to answer questions regarding this issue.

I have visited the bank several times to speak with bank manager regarding this issue. I have not received a direct answer. The manager and representation at this branch are rude to me. The bank manager even told me not to apply for a credit card because she doesn't think my score would be high enough. I believe the bank manager wanted to discourage me from applying for a credit card due to XXXX discrimination. 

I would like Key Bank to honor the marketing code ( XXXX ) they advertised to get me to open an account at their branch and deposit the {$500.00} checking bonus into my account. I would also like to know why the branch manager told me not to apply for a credit card without even pulling a credit score/report.

Company response to consumer: Closed with monetary relief