vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: NEW YORK COMMUNITY BANCORP INC
State: FL

Complaint narrative:
I have a VA loan, I faced a FEMA disaster XX/XX/XXXX with the Ian Hurricane that hit Florida, I had damage in my roof my insurance did not cover that, I called at the beginning of XXXX to Flagstar Bank and the institution offered me a disaster forbeacence. Due to that I have arrears on XXXX, I am paying my mortgage since XX/XX/XXXX good bc I can pay my mortgage, I have income to pay my mortgage. On XX/XX/XXXX they denied my loss of mitigation application. XX/XX/XXXX and XX/XX/XXXX I appealed the decision asking the lender to put the arrears on the back of the loan as VA CARES ACT stated is allow to do and they continue to not wanted to do and giving me only option to foreclosure. The lender is violating the veterans CARES Act. I called my VA Loan Technician and he stated to me that they should put the arrears on the back of the loan as the CARES ACT comply. The CARES ACT stated that the missed payments may be paid back over time with no time frame of pay specifying and my lender should provide those to me by law ; however, they are in violation of this act and not giving me that option, only to foreclosure.

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 2023-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
On XX/XX/2023, I signed onto Chase website. I could not complete my logon procedure as I had previously done numerous times. I was presented with an online screen ( see XXXX XXXX XXXX  Screen Shot for online access ) entitled Accept Disclosures and Agreement. I did NOT accept the agreements. I decide to telephone Chases Customer Service. 
On XX/XX/2023 I telephoned Chase Customer Service at XXXX. I spoke with two agents, XXXX and XXXX. XXXX stated that he was an Account Supervisor. I had a lengthy conversation with XXXX regarding how one could opt out of arbitration without sending an opt out letter through the U.S. Post Office. XXXX, an Account Supervisor, stated that I could send the opt out letter through Chase Secure Message Service. 
I completed another opt out of arbitration letter dated XX/XX/2023 ( see Scanned Graces 2nd Arbitration Letter ). I sent in the opt out letter through Chases Secure Message Service as directed by XXXX. I received two e-mails from Chase regarding the my opt out letter ( see Graces Chase E-mails XX/XX/2023 and Graces Chase E-mails XX/XX/2023 ). So, in spite of receiving my opt out of arbitration letter, Chase is refusing to accept my written response even though Chase initiated the requirement to accept their disclosures and agreements electronically and so directed by XXXX, the Account Supervisor. Chase will accept facsimile and secure message communications regarding accounts but WILL NOT accept an account holders request to opt out of arbitration. There is ONLY one reason why a business forces individuals to opt out of arbitration the business is hoping that individuals will tire of the effort to do so. Thus, the business will avoid possible higher financial penalties to illegal actions against individuals caused or perpetrated by the business. Chase has had previous class action suits against it. 
On XX/XX/2023 I mailed my second opt out of arbitration letter to Chase. 
I recommend that Chase be required to accept the opt out of arbitration in the same manner by which the company/business informed the individual. Thus, Chase MUST give the account holder an electronic option for opting out of arbitration similar to the online options that it gives individuals to receive or not receive their statements or notices via U.S. mail or electronically. 
Please respond to my complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 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: TX

Complaint narrative:
I see an improper or fake or never requested and unknown inquiry on my credit report and access to my info from XXXX XXXX on XXXX XXXX for auto finance and it is fraudulent as it not me and I have experienced recent identity fraud especially on auto loan related. 
I never contacted or requested this and it is fraudulent and unknown.

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 2023-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Referencing : 15 USC 1681a2, I did not give written permission to have Account # XXXX XXXX XXXX XXXX XXXX XXXX Bank furnished on my credit report. This account was resolved with an Identity report and was deleted by the 3rd party collection agency. Please see attached documents and reports from the Consumer Financial Protection Bureau. I would like for this account to be removed and deleted from my consumer report from all three credit bureaus such as XXXX, XXXX, and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: TN

Complaint narrative:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
In 2012 a credit card was applied and enrolled for me by Bank of America without my knowledge. I became aware of the credit card when I received it in the USP mail. Over the years I was charged extremely high interest rate fees. I have also been receiving unjustified fees for " cash withdrawals '' for the total account balance which is in the thousands. I never made cash withdrawals for thousands of dollars from the credit card. Over the years I contacted BOA many times to clarify that I did not receive cash withdrawals for the full account balance. Couldn't understand why I was being charged for these exorbitant fees. Each time I called I was told by the BOA customer representative that I needed to pay these extremely high fees or my account would be sent to collections. So over the many years I have continued to pay these exorbitant fees with no end in site to pay off this falsified credit card. I have in good attempted to pay my credit debt and have been financially indebted to BOA since 2012. I am seeking resolution to the never ending exorbitant fees.

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 2023-07-23 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 — Was not notified of investigation status or results
Company: AMERICAN EXPRESS COMPANY
State: AE

Complaint narrative:
I am writing to file a formal complaint against American Express regarding their failure to respond to a billing error, I reported on my Credit Card billing statement ( s ) on Account Ending XXXX and Account Ending XXXX. I initially noticed the billing error on XXXX XX/XX/2023, when viewing both the XXXX statements for the certificate of indebtedness on Account Ending XXXX and Account Ending XXXX, and in accordance with the regulations outlined in 12 CFR 1026.13, I promptly sent a written notice to American Express on XXXX XX/XX/2023 via United States Postal Service Certified Mail Receipt Number XXXX. Instead what American Express has done is closed both Ending XXXX and Account Ending XXXX continued to report negatively on my account. American Express to this day removes money from my accounts. This has caused me great harm and has not allowed me to take job opportunities that could assist in me paying off debt to setting the affairs of my estate and be in good standing in the private and in my private life. I've also attached my credit report as evidence. According to 15 U.S. Code 1681n, any person or entity that willfully fails to comply with the requirements of the FCRA may be held liable for actual damages, punitive damages, and attorney 's fees, as determined by a court of law. The specific noncompliance issue in question involves American Express unwillingness to send me an acknowledgment of my billing error notice. This action has had significant adverse effects on my rights as a consumer and has caused me undue financial and emotional distress. I've missed out on employment opportunities that could pay me XXXX XXXX more per year. I'm also aware that my account was/are held in a trust according to American Express Trust Indenture Agreement XXXX I will be contacting the XXXX XXXX XXXX XXXX XXXX XXXXXXXX who is American Express Trustee and inquiring about my closed accounts. I will also file an FTC faud compliant against American Express as well as reporting American Express to the SEC for Securities Fraud. I kindly request the CFPB to investigate this matter and ensure that American Express complies with the billing error resolution requirements outlined in 12 CFR 1026.13. I also request appropriate action be taken to protect my consumers information and hold American Express accountable for their failure to address my legitimate concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 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: FL

Complaint narrative:
I saw that there were multiple inaccurate information reporting on my credit. I have reached out to the credit bureaus for help and there has been no relief.

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 2023-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation
State: NV

Complaint narrative:
I was struggling to make my monthly payments. I always answered their calls because we were trying to figure out a solution so I wouldnt lose the account. I rec. a email from Fortiva Credit Card Co. on XX/XX/XXXX entering into an agreement with me to get my card current. Fortiva suspended my card not over the limit but going on 3 months late. It states that I need to pay the {$460.00} by XX/XX/XXXX. On the very next day after the email, I made a payment of {$100.00}. I called who I thought was customer service to make sure it went through ok thats when I'm informed my acct is closed, the rep. I spoke to never said he was in collections, very deceptive. I told him I never rec. a email or notification it was closed, he said wait for the payment to clear and call customer service again to see what they can do. The payment has cleared I called them today XX/XX/XXXX the rep said yes your account is closed, I asked her when did that happen, she never gave me an answer, I told her I rec. a email about my account being suspended and the agreement to keep it from closing which I began to honor. The rep said we sent a email I told her to find it, she couldnt. I asked for a manager, I also told her about the XX/XX/XXXX email for suspension and agreement that I made a {$100.00} payment towards, but all she kept saying was read your agreement, yes I did the email agreement, then she said we sent you a letter, asked when, she couldnt say because they never sent one im sure one will go out on XX/XX/XXXX. even if you go to their website or app it still looks like my account in open. I explained to the manager, sending that email with that agreement approved by Fortiva is binding and I honored it by making {$100.00} payment this credit card company is very deceptive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Autovest, L.L.C.
State: MN

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX  ( XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Customer Service : XXXX Fax : XXXX The above has had my wages garnished at the rate of 25 % of gross. My wages are EXEMPT from garnishment due to the fact that my family and I receive public assistance. I have emailed the above several times explaining this. I have sent a certified mail cease and desist letter as well. My employer will not stop the garnishment until they receive notification from the above-listed. The local courthouse also has no knowledge of this action. Currently the above has received over {$2300.00} from my paychecks. I'm the only income of a household of XXXX. All I ask for is the immediate stop on the garnishment and a refund of all funds they received.

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 2023-07-23 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: AZ

Complaint narrative:
The current status of my loans and the transfer of my loan to another provider, Nelnet, is unlawful, per the XXXX XXXX XXXX. I will report Nelnet and their XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to the FTC if this is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
The vehicle that was purchased by a thief through Santander bank that shows on my collection owed {$5700.00} was not purchased by me. I was a victim of identity theft. I need it removed from all my credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Hello there! I had opened my ulta credit card inthe store like XXXX and After that I tried to pay it off every month. But in covid, I was not working and they kept charging me interest rates for my purchases for XXXX. I tried to contact them but they always used to hang on me. I am a student and I had part time job and I have other credit cards with this company which have similar interest charges. I do not understand if I did not make any purchases after XXXX, then how I am still paying the all the credit cards. This company had overcharged me and also they call me consistently if I did not able to pay them. Their website always used to collapse, which makes me harder to pay the balance. I wanted to close their credit cards but looks like forever paying their debt. I think I am not the only one with this issue since I had read some other people post on XXXX about the same issue. I would like to request you to please help me with this. I had attached my XXXX statement and XXXX statement so you can see how I am still paying for XXXX bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
XXXX XXXX bank is to remove their information from my report as I've disputed it several times in regards to it being paid in full and it being over 7 years old. They haven't removed it and has also sold it to a collection agency whom is reporting negatively as well to retrieve what I don't owe neither am I responsible for after the 7 years. I would like these accounts removed please. It's been past 7 years and it's affecting me drastically as I am trying to rebuild. Please help resolve these urgent matters on my behalf. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 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: SC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: World Omni Financial Corp.
State: SC

Complaint narrative:
On XXXX XXXX at approximately XXXX such securities was delivered and put forward through the United States Post Office addressed to XXXX XXXX XXXX Treasurer received by World Omni XXXX XXXX XXXX in lieu of net proceeds issued by XXXX XXXX investor account number XXXX on behalf of XXXX XXXXXXXX XXXX XXXX this claim against such risk has been found in default without recourse under such circumstances the securities will not be demand to be restricted securities that are acquired directly or indirectly from SOUTHEAST TOYOTA FINANCE XXXX WORLD OMNI FINANCIAL CORP Under the FINRA they are committing securities and not in compliance with there FORM SF-3 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 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: SC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2023-07-23 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 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: CBC Companies, Inc.
State: NC

Complaint narrative:
This credit reporting agency have provided other credit financial agencies with false information. On numerous occasions Ive spoken with them about not reporting false information. I never gave consent to report on my behalf. These reporting agencies have made it extremely difficult for me to get credit, loans and other financial benefits. Costing my good reputation and slandering me. Need these credit agencies to stop reporting on my behalf immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
No collection account should have Late payments

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 2023-07-23 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: WA

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my 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 2023-07-23 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: FL

Complaint narrative:
It was the whole problem how Great Lakes service loan provider, switched my loans to Nelnet and how things were handled. It was a security exchange act as well as indenture trustees information and would like for these to be discharge if not to be reported to FTC.

Company response to consumer: Closed with explanation